Credit Analyst/Senior Credit Analyst-NBFI

Overview

Our client, a City-based Commercial Bank, is seeking a Credit Analyst or Senior Credit Analyst to join the Non-Bank Financial Institutional (NBFI) Credit Risk Team.

Responsibilities

• Minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviews, etc.
• Make clear and unambiguous recommendations to Credit Committee, in accordance with the Bank’s credit policies, regarding the acceptability of particular business deals from a credit perspective while maintaining an independent and objective view within the credit process.
• Effectively monitor, identify and reasonably measure credit risk within the Bank’s asset portfolio.
• Provide effective challenges as well as guidance to proposals from Front Office; draft and present credit opinions to Credit Committee, maintaining an objective and independent view within the credit process in accordance with the Bank’s credit policies.
• Provide credit evaluation reports for various credit products, including overview of transactions, financial and non-financial risk analysis, key risks identified with mitigations, and credit recommendations (including suggested credit enhancements and management conditions).
• Assist with the implementation of credit risk appetite, credit policies and procedures, and management processes once established; ensure transactions comply with credit policies.
• Provide the Head of Credit Risk Department (CRD) and the credit committee with professional risk analysis and appropriate risk mitigation measures in a timely manner.
• Conduct post-lending management work, including monitoring credit ceilings and exposures, monitoring the borrower’s financial performance, and ensuring covenants and conditions are met throughout the loan life.
• Proactively align with the Bank’s Global Credit policy and liaise with Front Office, Credit Administration, Treasury and other Group entities to utilise GCMS as part of the credit process.
• Perform credit reviews and research of industry/customer-related information for all new proposals and for existing customers at least annually.
• Aim for timely turnaround of credit proposals and reviews in line with departmental objectives.
• Monitor industry and sector trends and counterparty risks for early warning signals.
• Coordinate with Head/Deputy Head of Credit Risk, Credit Administration and Relationship Managers on credit proposals, modifications, annual reviews and client financial performance monitoring.
• Post-lending management: support four-eyes checking of facility documentation, asset quality categorisation, covenants monitoring, and ensure terms and conditions of approval are actioned by relevant departments within deadlines.
• Assist the Head/Deputy Head of Credit Risk on departmental-related tasks.
• Other functions as required to assist the Head/Deputy Head of Credit Risk.

Qualifications / Skills

• Possesses a minimum of 5–10 years’ work experience in Non-Bank Financial Institution credit review.
• In-depth knowledge of risks and mitigations across different industries, countries and client types, with strong financial analysis, projection and stress-testing skills.
• Exceptional analytical and negotiation skills with a proactive problem-solving approach and a positive, can-do attitude.
• Collaborative and able to complete tasks independently.

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Other and Finance

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