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Credit Analyst- Corporate Banking

Division: Corporate & Institutional Banking Division
Department: Business Governance & Risk Department
Position Title: Credit Analyst – Corporate Banking

Job Summary:
Credit Analysts are responsible for assessing the creditworthiness of clients to determine the likelihood that they will honor their financial obligations. Credit analysts evaluate a borrower’s past financial and credit history to determine their financial health and their ability to repay credit advanced to them by a lender & will then recommend the credit limit for a client based on Bank policy.

Job Responsibilities:
-Assist Relationship Managers & Unit Heads in preparation of credit proposals and credit memos and other credit related reports
-Assess creditworthiness of existing or prospective clients
-Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc)
-Complete ratio, trend and cash flows analyses and create projections
-Deliver a multidimensional perspective on the proposed lending in an accessible and informative manner and in line with approved formats
-Determine in depth the degree of risk involved
-Carefully analyze and dissect data and produce clear and objective reports as and when required
-Routinely monitor exposures for compliance and to detect early warning signals
-Monitor corporate portfolio asset quality on an ongoing basis
-Adhere to credit policy and guidelines
-Draft models of credit information that predict trends and patterns

Minimum Qualification & experience required:
-Bachelor degree in Business, Finance, Accounting, Statistics or related field
-ACCA (Chartered Accountant) or equivalent professional qualification such as CFA etc..
-Minimum 5 years of relevant experience

Skills required:
-Ability to analyze cash flows, conduct sensitivity analysis
-Strong communication and presentation skills
-High commitment to excellence, collaboration, team achievement, and effective communication
-Ability to gather, organize, and analyze data in the completion of diverse functional assignments
-Ability to develop productive working relationships at all levels of the organization and cross culturally
-Strong written and verbal communication skills
-Strong interpersonal skills

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