Senior Credit Analyst

Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness.

Provide insightful, succinct and timely client portfolio credit analysis.

Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events.

Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters.

Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants.

Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations.

Provide credit analysis with consideration for market dynamics and client industry, including :

Industry risks and client competitive positioning within the industry.

Client funding strategy, financial policies, treasury activities, including hedging, and cash management.

Analyse client cash flow and liquidity with ratio analysis and / or stress testing balance sheet strength, cash flow and profitability vulnerability.

Reputational risk profile, including climate and sustainability risks.