Credit Analyst - Mid Market

SUMMARY OF ROLE

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

Responsibilities

Credit Assessment

·     Conduct preliminary analysis on the financial statements, projections & business models at the deal initiation stage, as well as a thorough analysis of financial analysis of financial statements, facility, security structure).

·         Prepare ITS & ITS approvals.

·     Once the deal is finalized, 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 whilst understanding the difference between securities to understand the risk aspect.

·       Present analysis findings, and recommendation to managers, especially regarding their ability to repay. It is important that the credit analyst understand the cash-flow of the client.

·         Develop and prepare spreadsheet models to support analysis of new and existing credit applications.

Account management:

·         keep up to date with the bank’s lending protocols.

·         Follow up on overdue, excess over limits, missing and expired documents, call report, insurance expiry trackers.

·         Reconcile credit files and identify discrepancies and variance.

Relationship managers & Team Support:

·         Support business unit, especially relationship managers in managing client’s portfolios.

·         Help to enhance the quality of credit applications and turnaround time.

·         Keeping knowledge of key issues up to date (for example legal, market risk and compliance issues as well as financial reviews).

·         To support the team with various MIS requirements as & when required.

·         In the event of the absence of ARM, RM, support the divisional Head in the execution of their duties.

·        Bachelor Degree in Finance, Accounting or any related fields

·        5 years of experience in the banking sector, or any related financial sector