Credit Analyst - Business Banking

A Credit Analyst for Business Banking evaluates the creditworthiness of small to medium-sized business clients by analyzing their financial statements and other data to determine their ability to repay loans. Key responsibilities include preparing credit proposals, meeting with clients to understand their needs, conducting risk assessments, presenting findings to sanctioning committees, and monitoring the loan portfolio to manage risk. The role requires strong analytical, communication, and presentation skills, and a solid understanding of financial statements and credit risk principles.

Key responsibilities

• Credit proposal analysis :  Analyze credit proposals for clients with working capital and term loan needs, focusing on financial health and other parameters.
• Client engagement :  Meet with prospective clients to understand their business and requirements, and to structure loan proposals within the bank's guidelines.
• Risk assessment :  Conduct detailed credit and background checks, and monitor economic and industry developments to identify potential risks.
• Documentation and reporting :  Prepare detailed proposal notes, financial spreadsheets, and risk reports to communicate findings.
• Committee presentations :  Present credit analysis, findings, and recommendations to credit sanctioning committees for approval.
• Portfolio monitoring :  Jointly monitor the loan portfolio with the relationship team using early warning systems to manage risk.

Skills Required

Credit Analysis, Client Management, Risk Assessment, Documentation, Reporting, Portfolio Management