Credit Analyst

Responsibilities

• Conduct comprehensive credit analysis and evaluate the creditworthiness of existing and prospective corporate customers.
• Review and analyze financial statements, cash flow projections, business plans, and industry outlooks to assess repayment capacity and identify key credit risks.
• Prepare credit applications, annual reviews, covenant monitoring reports, and credit recommendations in compliance with the Bank’s credit policies and regulatory requirements.
• Perform industry, market, and peer analysis to support sound credit decision-making and portfolio management.
• Monitor customer performance, credit exposure, and risk indicators, and recommend appropriate risk mitigation measures when necessary.
• Work closely with Relationship Managers to structure financing solutions that meet customer needs while maintaining prudent risk management standards.
• Support the execution of banking products and services by providing credit and risk assessment throughout the transaction lifecycle.
• Maintain accurate credit documentation and ensure timely completion of internal approval processes.
• Contribute to portfolio quality and support the achievement of the Bank’s business objectives through effective credit risk management.

Qualifications

• Bachelor’s or Master’s degree in Finance, Banking, Economics, Accounting, Business Administration, or a related field.
• Minimum 5 years of experience in corporate banking, credit analysis, credit underwriting, or related fields.
• Strong knowledge of corporate finance, financial statement analysis, credit risk assessment, and corporate banking products.
• Good understanding of banking regulations, credit policies, and risk management principles.
• Proven analytical, critical thinking, and problem-solving skills with strong attention to detail.
• Strong written and verbal communication skills in English.
• Proficiency in Microsoft Office applications, particularly Excel and PowerPoint.
• Ability to work effectively under pressure and manage multiple priorities within tight deadlines.
• Strong interpersonal skills with the ability to collaborate effectively with Relationship Managers, Credit Departments, and other stakeholders.