Corporate Banking Credit Analyst

Job Purpose:

The Corporate Banking Credit Analyst – Corporate Banking is responsible for conducting financial analysis, risk assessment, and credit evaluation of corporate clients. This role supports Relationship Managers (RMs) and the credit team by preparing high-quality credit proposals, ensuring compliance with risk policies, and monitoring portfolio performance. The Credit Analyst plays a key role in ensuring sound credit decision-making and portfolio quality.

Duties and responsibilities:

1. Credit Analysis & Risk Assessment

• Conduct in-depth financial analysis of corporate clients, including reviewing financial statements, cash flow analysis, and industry trends

• Assess creditworthiness by evaluating financial ratios, leverage, liquidity, and repayment capacity

• Identify key risks and propose appropriate risk mitigation strategies

• Ensure that credit assessments align with the bank’s risk appetite, policies, and regulatory requirements

2. Credit Proposal Preparation

• Prepare high-quality credit proposals, risk assessments, and loan recommendations for approval

• Structure credit facilities that suit client needs while maintaining acceptable risk levels

• Collaborate with Relationship Managers (RMs) to gather client information and structure deals effectively

• Ensure timely submission of credit applications, addressing queries from risk and credit committees

3. Portfolio Monitoring & Early Warning Signals

• Monitor existing credit exposures and track the performance of corporate loan portfolios.

• Identify early warning signals (e.g., declining financials, delayed payments) and recommend appropriate actions

• Assist in credit reviews, renewals, and modifications of loan facilities

• Support the Non-Performing Loan (NPL) management process by providing data-driven insights

4. Compliance & Documentation

• Ensure all credit proposals and client documents comply with regulatory guidelines and internal policies

• Maintain accurate and up-to-date records of credit files and loan agreements

• Support internal and external audits by providing necessary credit-related documentation

Job specification:

Education:

• Bachelor’s or master’s degree in finance, Accounting, Business Administration, or a related field

Experience:

• 3+ years of experience in credit analysis, financial risk assessment, or corporate banking

• Strong knowledge of financial statement analysis, credit risk assessment, and industry evaluation

• Proficiency in financial modeling, credit scoring, and forecasting techniques.

• Strong attention to detail, analytical mindset, and problem-solving skills

• Familiarity with banking regulations, and risk management frameworks