Credit Analyst- Corporates

Evaluate a borrower’s past financials and credit history to determine their financial soundness and ability to repay credit advanced by a lender. Gathers important financial information and evaluates it using financial ratios, comparing the ratios with industry benchmarks to decide if the applicant’s cash flow is sufficient to repay the obligation. Responsible for submitting renewals as well as finalizing new deals within the specified time frame.

• Conduct preliminary analysis on the financial statements, projections and business models at the deal initiation stage.
• Perform a thorough analysis of financial statements, facility security structure, and prepare ITS approvals.
• Conduct assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence, and provide recommendations tied to analysis and assessment of credit risk.
• Present analysis findings and recommendations to managers, especially regarding repayment ability.
• Develop and prepare spreadsheet models to support analysis of new and existing credit applications.
• Keep up to date with the bank’s lending protocols.
• Follow up on overdue, excess over limits, missing and expired documents, call reports, and insurance expiry trackers.
• Reconcile credit files and identify discrepancies and variance.
• Support relationship managers in managing client portfolios and help enhance the quality of credit applications and turnaround time.
• Keep knowledge of key issues up to date, including legal, market risk and compliance issues as well as financial reviews.
• Provide MIS support to the team when required.
• In the event of absence of ARM/RM, support the divisional head in executing their duties.

• Bachelor’s Degree in Finance, Accounting, or related fields.
• Minimum 7 years of experience in the banking sector or related financial sector.