Credit Risk Analyst

Job Description

Company Introduction

Job Responsibilities and Duties

• Assess and monitor credit risks associated with new and existing corporate lending facilities, ensuring compliance with the Company’s Risk Appetite Framework and regulatory requirements;
• Conduct detailed credit risk assessments and prepare recommendations for consideration by the Credit Committee;
• Review credit proposals to ensure they align with the Company’s risk appetite, internal policies and lending criteria;
• Liaise with appointed architects regarding property valuations and any related queries;
• Collaborate with the Corporate Banking team, providing risk-related guidance and feedback throughout the lending process;
• Review credit memoranda and recommend amendments to existing lending facilities where necessary;
• Ensure approved lending facilities and related documentation are accurately recorded and maintained within internal systems;
• Address queries from the Operations Department regarding approved lending documentation;
• Assist in reviewing and updating credit procedures, policies and related documentation;
• Monitor lending exposures to ensure compliance with internal risk limits and applicable regulatory requirements;
• Provide credit risk expertise and support to Senior Management and external stakeholders when required;
• Maintain a thorough understanding of the Company’s policies, risk management standards and strategic objectives.

Experience

• A Diploma or Degree in Banking, Risk Management, Finance or a related field;
• Previous experience in credit risk assessment, preferably within corporate lending, would be considered an advantage;
• Strong understanding of accounting principles and financial analysis, including the ability to interpret income statements, balance sheets, cash flow statements and financial projections;
• Knowledge of lending standards, credit assessment procedures and collateral requirements;
• Ability to evaluate complex credit proposals and assess associated financial risks;
• Proficiency in Microsoft Office applications, particularly Word and Excel;
• Excellent written and spoken English.

Personal Skills

• Strong analytical and problem-solving skills, with the ability to assess financial information and make informed recommendations;
• Excellent organisational and time management skills, with the ability to handle multiple assignments and meet deadlines;
• High attention to detail, ensuring accuracy in credit assessments and documentation;
• Excellent communication and interpersonal skills, with the ability to collaborate effectively with colleagues and stakeholders;
• Proactive and self-motivated, with the ability to work independently and take initiative;
• High level of professionalism, integrity and commitment to ethical standards;
• Strong team player with a positive attitude and willingness to contribute to the department’s objectives.