Credit Analyst

Job Purpose

The Credit Analyst is responsible for conducting independent credit analysis, risk assessment and credit approval support for corporate & commercial clients. The role ensures all credit proposals are analyzed professionally in line with the Bank’s credit policy, risk appetite and regulatory requirements, to support sound lending decisions.

Key Responsibilities

1. Credit Analysis & Financial Review

- Conduct in-depth financial analysis including historical and projected income statement, balance sheet, cash flow analysis, ratio analysis and sensitivity analysis.

- Evaluate client’s operating performance, industry position, management quality, debt servicing ability and overall financial strength.

- Analyze borrower’s funding structure, working capital needs, debt capacity and repayment source.

2. Credit Proposal & Risk Assessme...