SME Credit Analysis Manager / Assistant Manager

Key Responsibilities:

• Conduct in depth financial and business analyses for Large Commercial segment clients
• Prepare “Executive Summary” reports in English based on credit proposals prepared by Business Line
• Attend Head Office level and Credit Committee level meetings and present the Executive Summary along with Credit Allocation opinion
• Manage end-to-end credit allocation processes from initial assessment to final decision and post-approval monitoring.
• Collaborate with Line of Business, Branches, Regional Allocation & Sales Departments, Risk, Legal, Compliance and Operations to ensure smooth loan execution and portfolio management
• Monitor portfolio performance, identify early warning signals, and propose appropriate risk mitigation measures
• Contribute to process improvements, digital development projects and internal reporting enhancements
• Participate actively in internal trainings sharing knowledge and supporting junior credit analysts
• Conduct regular client and facility visits

Both Manager and Assistant Manager positions will be reporting to Senior Manager.

Requirements:

• Bachelor’s degree in Business Administration, Economics, Finance or Engineering
• Minimum 5 years (for Manager) or 2 years (for Assistant Manager) of experience in corporate or commercial credit allocation / underwriting /monitoring.
• Proficiency in English (both written and spoken)
• Strong analytical and financial analysis skills; ability to interpret financial statements and evaluate risks & mitigants
• Presentation and communication skills as the position holder is expected to present credit files to senior management, Credit Committee members
• Ability to display both macro and micro based approaches in proactive style
• Capability in managing multiple tasks in a fast-paced environment
• Strong collaboration skills and teamwork mindset across departments
• High proficiency in MS Office programs and relevant financial analysis tools