Credit Analyst

**Job Purpose Summary:
The incumbent will be responsible for reviewing credit facility proposals for Corporate customers by the appropriate departments/ units. The incumbent will provide analyses and assess the risk of the borrowers, proposed credit structures, security/collateral, and exposure levels, and the adherence to established policies, guidelines and credit procedures.

**Responsibilities**:
A. Shareholder & Financial
- Perform activities within the approved Group credit risk strategy/risk appetite parameters, reflecting the Group’s tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.
- Use standardized processes for evaluating credit proposals ensuring that all approved credits are within the Group’s credit risk strategy and applicable policies and guidelines.
- Act within the limits of the powers delegated to the incumbent.

B. Customer (Internal & External)
- Ensure adherence to the Group's Risk Policies guidelines and procedures, and awareness of regulatory changes pertaining to credit risk. Assess policy impact on the Group’s risk profile, as guided and instructed by supervisors. Produce reporting and impact analysis processes as required on policy and regulatory changes.
- Build and maintain strong and effective relationships with all the other related departments and units to achieve the Group’s goals/ objectives.
- Provide timely and accurate information to the management, external and internal auditors and the Compliance function as and when required.
- Adhere to requirements specified in the Service Level Agreements (SLA).

C. Internal (Processes, Products, Regulatory)
- Perform credit assessments, and comply with established/ approved credit risk policies, guidelines and procedures, and relevant laws and banking regulations.
- Coordinate with Relationship Managers for the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.
- Assist in the assessments on credit proposals by preparing reports and analysis of the various credit risk facets are completed and appropriate for the measurement of borrower and facility risks. Perform financial spreads, assign final risk ratings, including borrower rating and facility ratings, based on the underlying assessment which includes (but is not limited to) an assessment of the requested facility and security, collateral and guarantees provided, borrower’s management and background, industry analysis, country analysis, external agency credit ratings (if applicable), financial and cash flow analysis, and as applicable, the risk rating from the credit risk rating tool in use. Stipulate terms and conditions to mitigate the credit risk borne/faced by the Group.
- Ensure all obligors are assigned the appropriate credit ratings, and ensure annual reviews are done and updated on timely basis.
- Support the Credit Risk Manager/ Head of Risk in preparing recommendations to extend, decline, or request further structuring/guarantees/collaterals to the transactions to minimize credit risk and meet the Group credit risk standards.
- Coordinate activities with business units to ensure the timely processing of customer credit requests within established SLA requirements.

**Job Requirements**:
Education
- 4-6 years experience in a major Bank’s risk function.
- Excellent Numerical skills (including reading of financial reports) in English or applicable local language highly desirable.

Skills & Knowledge
- Excellent oral and written communication skills in English.
- Good quantitative modelling, analytical, and research skills.
- Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.
- Knowledge of financial markets and products.
- Good understanding of credit risk methodologies and/or other complex financial risk modelling would be highly desirable.
- Self-motivated.
- Attention to details.
- Ability to work independently as well as in a team setup.
- Possess an understanding of business processes and controls in all related credit/operational areas.
- Maintain adequate knowledge of all pertinent regulations as well as international “best practices” pertaining to the overall credit operations.