SME Credit Analyst Team Leader

• Supervise and review the analysis of SME credit applications, ensuring accurate evaluation of borrowers’ financial performance, repayment capacity, and business stability.
  

• Oversee the preparation of comprehensive credit memos, verifying the quality and completeness of financial, business, and risk assessments.
  

• Review and validate financial statement spreads (balance sheet, income statement, and cash flow) to ensure accuracy and consistency in ratio and trend analysis.
  

• Ensure all required documentation is thoroughly reviewed and complete before submission to the Risk Department for approval.
  

• Guide and support Relationship Managers and credit analysts in collecting missing information and finalizing cases efficiently.
  

• Review and approve client background checks, I-Score reports, and bank statements to confirm data accuracy and alignment with credit policies.
  

• Provide coaching and technical guidance to the credit team to enhance analytical standards and improve the quality of submitted cases.
  

  
  
  
  
  
  

Requirements

· Bachelor’s in Finance, Economics, or related field.

· 5-7 years of experience in credit risk, ideally in SME banking.

· Excellent analytical, reporting, and leadership skills.

· Proficiency in Excel and risk modeling tools.