The Credit Corporate Analyst role involves evaluating the creditworthiness of corporate clients through comprehensive financial and risk analyses. This position is crucial in supporting the credit decision-making process by preparing detailed credit proposals, assessing market and industry risks, and ensuring all credit recommendations adhere to the bank’s risk appetite and regulatory requirements. The analyst collaborates closely with relationship managers and credit committees to formulate robust credit solutions that foster business growth while safeguarding the bank’s assets.
Key Responsibilities
- Conduct thorough analysis of financial statements and assessment of corporate credit requests, including new requests, changed requests, refinancing, and annual due diligence.
- Present analysis, findings, and recommendations to the Management Credit Committee, especially findings that involve a borrower’s ability to repay.
- Develop and prepare spreadsheets and models to support the analysis of new and existing corporate credit applications.
- Ensuring Credit Policies, Product Profiles, and set timelines are adhered to in the analysis and approval of corporate credit facilities.
- Conduct industry/sector studies with a view to updating policies and procedures guiding lending to a specific corporate sector.
- Ensure high audit rating is attained.
- Presentation of board level credit facilities to the Board Credit Committee for approval.
- Custody of the Board Credit Committee minutes and coordination of board recommendations and directives.
- Any other official duty that may be allocated from time to time.
Qualifications and Experience
The ideal candidate must possess the following qualifications and experience:
- Hold a bachelor’s degree in business, Accounts, Finance or related field.
- Professional Credit or Accounting qualifications are a plus.
- Have a minimum of five (5) years’ practical experience with a proven result-oriented track record in recoveries.
- Experience in banking & legal background is a plus.
