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Responsibilities:
Conduct comprehensive financial analysis of commercial, corporate, and FI clients, including review of income statements, balance sheets, cash flows, and financial projections.
Assess client financial health, focusing on liquidity, profitability, solvency, and debt-servicing capacity.
Evaluate credit risk by identifying financial trends, sector-specific risks, and macroeconomic influences.
Prepare well-structured Credit Evaluation Reports (CERs) with actionable recommendations on credit structure, limits, and risk appetite alignment.
Monitor credit exposures and portfolio performance, updating assessments regularly to maintain credit discipline.
Ensure compliance with internal credit policies, risk guidelines, and regulatory frameworks in all credit decisions.
Conduct market and industry research to contextualize credit risks within evolving economic and competitive landscapes.
Requirements:
Strong foundation in financial analysis, accounting, and credit risk assessment.
Experience in reviewing credit proposals for commercial/corporate/FI borrowers.
Proficiency in Excel and has the ability to evaluate forecasts and sensitivity scenarios.
Familiarity with credit risk policy, credit processes, and regulatory requirements.
Strong written and verbal communication skills; able to present clear, balanced credit opinions.
Bonus Point if:
Have experience building or refining credit scoring and monitoring tools using both financial and non-financial parameters.
Bring a forward-thinking mindset and can contribute ideas to improve credit review processes or risk frameworks.