Corporate Credit Risk Analyst

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.