The Credit Analyst is a full-time role responsible for assessing the creditworthiness of individuals, businesses, and institutions applying for financial products such as loans and credit facilities. The selected candidate will play a critical role in analysing financial statements, evaluating risk factors, and preparing detailed credit reports to support sound lending decisions.

This position contributes to the Bank’s overall credit risk management strategy by working closely with relationship managers and risk teams to ensure compliance with internal policies and regulatory standards.

Responsibilities

• Analyse financial statements, cash flows, and business performance to evaluate credit risk and recommend appropriate lending decisions
• Prepare comprehensive credit proposals, risk assessments, and supporting documentation for loan approvals
• Conduct industry and market research to support credit evaluations and risk assessments
• Monitor existing loan portfolios for early warning signs and recommend risk mitigation strategies
• Collaborate with Relationship Managers to understand client needs and structure tailored credit solutions
• Ensure credit documentation is complete, accurate, and compliant with regulatory standards
• Participate in credit committee meetings and present findings and recommendations as required
• Maintain up-to-date knowledge of banking regulations, credit policies, and market trends
• Support audit and regulatory reviews by providing required documentation and information
• Demonstrate strong analytical and problem-solving skills to manage complex credit scenarios

Areas of Expertise

• Financial analysis and credit risk assessment
• Banking products and credit policies
• Industry and market research
• Portfolio monitoring and risk mitigation

Skills & Competencies

• Strong analytical and quantitative abilities
• Excellent communication and presentation skills
• Attention to detail and integrity in handling sensitive financial data
• Ability to work collaboratively across teams and under pressure
• Proficiency in Microsoft Excel and financial modelling tools

Education & Experience

• Bachelor’s degree in Finance, Accounting, Economics, or related field
• 1–3 years of experience in credit analysis, financial analysis, or banking (entry-level candidates with strong academic records may be considered)
• Familiarity with credit scoring models, risk rating systems, and banking regulations is an advantage

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Responsibilities

• Strategise and implement asset deployment in line with the annual business plan, including the creation of new portfolios and ensuring they remain uninfected and healthy through strict monitoring and control
• Market the Bank’s products to grow asset base and cross-sell opportunities, ensuring all portfolio additions are of high quality
• Manage the full credit lifecycle, including processing credit proposals and e-memos, conducting financial analysis in line with the Bank’s Credit Policy, handling renewals, and negotiating terms within approved parameters
• Oversee all aspects of customer portfolios, including funded and non-funded facilities, ensuring timely recovery of mark-up and instalments, and resolving customer complaints within prescribed turnaround times
• Conduct regular visits to inspect mortgaged or hypothecated assets, and ensure the Bank’s interests are protected through proper documentation and adherence to legal and approval requirements
• Ensure timely collection of all required customer documents, such as stock reports, insurance certificates, and annual financials
• Maintain liaison with Credit, CAD, and Risk departments to coordinate facility-related matters
• Ensure all operations and transactions comply with internal policies, the Operations Manual, and regulatory guidelines
• Support audits and regulatory reviews by providing necessary documents, information, and logistical support
• Prepare accurate, timely, and well-analysed credit presentations and approvals.
• Demonstrate strong problem-solving skills in handling complex, non-standardised situations

Areas of Expertise

• Banking practices and products
• Financial analysis and risk assessment abilities
• Relationship management and business development
• Commercial awareness of changing business environment, industry/market trends
• Access to a client portfolio for onboarding

Skills & Competencies

• Ability to structure complex import/export trade needs with excellent sales skills
• Strategic planning and execution skills
• Excellent communication and interpersonal skills
• Strong leadership skills, excellent planning, presentation skills, and problem-solving skills
• Robust negotiation and conflict resolution skills
• Effective oral and written business communication skills
• Positive, extrovert, professionally courteous, and exceptional selling skills

Education & Experience

• The ideal candidate must be a self-starter, a team player and have the ability to manage high-profile relationships with minimal supervision
• Minimum Bachelor’s degree in Business Administration, Finance, or related field
• 7+ years of experience managing complex commercial banking relationships/portfolio
• Proficiency in MS Office and banking software