I'm a doctor. It's not an issue of a doctor "detecting this", it's an issue of how accurate the ECG waveform is. The bottom line is, atrial fibrillation is not that hard to detect on an ECG waveform, whether it's done on a $400 consumer grade wearable or a multi-thousand dollar hospital 12-lead ECG machine. Even 12 leads, in most cases, is overkill for detecting afib. All you need is one waveform that's relatively noise-free, which is what the Apple Watch has (given the electrode placement, it's essentially a Lead I waveform).
But to answer your question, anyone who's been trained to read ECGs should be able to diagnose afib by looking at an ECG waveform pretty much 100% of the time. I actually find it funny that 9to5 is hyping this up. 98% is nothing special, it should have been 99 or 100%.