JOB DESCRIPTION:
Job Title: Credit Analyst
Division: Wholesale Banking
Reports To (Job Title): Deputy Manager / AVP – Syndication & Credit
Department: Syndication & Credit Analysis
JOB ROLE:
- Support the Syndication team in evaluating, structuring, and monitoring syndicated and bilateral loan transactions.
- Conduct detailed financial and credit analysis of corporate borrowers.
- Assist in the preparation of credit proposals, risk assessments, and transaction documentation.
- Liaise with arrangers, participating banks, and internal stakeholders to ensure smooth execution of deals.
JOB RESPONSIBILITIES:
- Conduct comprehensive credit appraisals, including analysis of financial statements, cash flows, and debt-servicing capacity.
- Prepare and review credit proposals for new and existing syndicated facilities, ensuring compliance with internal policies.
- Assist in deal structuring, pricing, and preparation of term sheets for syndication transactions.
- Liaise with Relationship Managers, Credit Administration, Legal, and Operations for due diligence, documentation, and transaction execution.
- Monitor loan covenants, repayments, and portfolio performance to identify early warning signals.
- Maintain and update records of deal pipelines, loan exposures, and participant banks.
- Prepare periodic portfolio review reports, MIS, and presentations for management and regulatory submissions.
- Coordinate with agent and participant banks for information exchange, documentation follow-ups, and reconciliations.
- Stay abreast of market developments, borrower performance, and sectoral trends to support credit decisions.
- Provide support in audit reviews, internal checks, and compliance reporting.