Financial Credit Analyst

Job purpose

Supporting the corporate team in its day-to-day business by providing, developing and enhancing the quality of credit decision management across business development departments and data analysis across credit portfolios.

Responsibilities:

• Conduct data analysis regarding transactions on credit facility applications received by the Department. Substantiate recommendations for use by Bank stakeholders to make decisions on new loans/investments, renewal, amendment and structuring of existing loans/investments.
• In-depth analysis of available data, in a manner that develops effective and efficient risk identification, assessment and measurement, on all credit decisions.
• Provide decision-makers with accurate numbers, information, data and analysis to ensure sound credit decisions that achieve the Bank's objectives.
•  Review/analyze credit information and any matters related to credit reports, so that they include studying the conditions of the economic sector / financial solvency and continuity / status of mortgages and guarantors etc.
• Prepare detailed credit reports on the position of borrowers, including their credit status, repayment capabilities, potential risk of default, and interest of establishing/maintaining relationships with them etc. Submit observations to the direct supervisor.
• Provide all data and reports to relationship managers an