Senior Credit Analyst
Join a dynamic Corporate Banking team as a Senior Credit Analyst. In this role, you'll play a key part in shaping credit decisions for complex trade finance transactions, ensuring robust risk management and full regulatory compliance. Collaborate closely with Relationship Managers and senior stakeholders to evaluate creditworthiness and structure deals that drive strategic client growth.
Key Responsibilities:
- Ensure compliance with internal credit policies and external regulatory requirements.
- Review credit proposals, including limits, tenors, collateral, and documentation, prior to submission to credit committees.
- Attend client meetings alongside Relationship Managers to support credit discussions.
- Perform detailed financial analysis and highlight key risks and mitigants in credit packages.
- Provide underwriting opinions and contribute to credit memos for new, renewal, and amended facilities.
- Monitor client exposures, discrepancies, and documentation through internal systems and dashboards.
- Approve credit applications and internal ratings in coordination with second-line functions.
- Track market trends and produce sector-specific reports.
- Support risk mitigation through third-party market checks and insights.
- Respond promptly to discrepancy approvals within delegated authority.
- Prepare periodic risk reports and assist with internal audits and reviews.
- Participate in internal projects, policy development, and team initiatives.
Key Requirements:
- Bachelor's degree in Business, Economics, or a related discipline.
- At least 5 years of experience in credit analysis or underwriting within corporate banking.
- Strong grasp of financial statements and risk assessment principles.
- Familiarity with trade finance instruments and structures.
- Excellent communication and presentation skills in English.
- Proficiency in MS Office tools.
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