Corporate Credit Risk Analyst

Job description

About Company & Role Purpose

A leading banking institution is seeking an Analyst, Corporate Credit Risk to assess and analyze credit applications for both new and existing corporate credits. The role involves in-depth credit analysis and formulating risk recommendations for senior management and credit committees.

KEY RESPONSIBILITIES, ACCOUNTABILITIES AND ACTIVITIES

General

· Conduct detailed assessment and analysis of credit applications for both new and existing corporate credit facilities.

· Perform comprehensive financial and credit risk analysis, including evaluation of borrowers' financial performance, business profile, industry dynamics, and repayment capacity.

· Prepare and draft Risk Authorization Reports (RARs) and supporting credit analysis in line with internal policies and credit standards.

· Formulate independent risk assessments and recommendations for Senior Management and Credit Committees, highlighting key risks, mitigants, and proposed credit structures.

· Review credit proposals submitted by Corporate Banking and assess compliance with applicable policies, procedures, and risk appetite.

· Liaise extensively with Corporate Banking and internal Risk Management stakeholders to obtain required information and facilitate timely processing of credit applications.

· Support the preparation of committee submissions, approval memoranda, and other credit-related documentation.

Qualifications

· Bachelor's degree or equivalent.

· Preferable: at least 1 year of relevant experience.

· Strong credit analysis, financial assessment, and report-writing skills.

· Proficient in Microsoft Office applications, particularly Excel, Word, and PowerPoint.

· Sound knowledge of corporate banking products, credit policies, procedures, and banking operations.

Skills

· Excellent written and verbal communication skills.

· Strong analytical and problem-solving abilities with attention to detail.

· Ability to work independently and manage multiple priorities.

· Strong interpersonal and stakeholder management skills.

· Sound judgment and decision-making capabilities.

· High level of integrity and professionalism.