Senior Credit Analyst

Description:

The Senior Credit Analyst role focuses on evaluating credit risks primarily within Commercial Real Estate and Commodity Finance sectors, with potential exposure to other sectors based on business proposals from the front office.

Key Responsibilities:

• Minimize credit losses by accurately identifying and measuring credit risks and mitigants in business proposals and reviews.

• Prepare comprehensive credit evaluation reports covering transaction overviews, risk analyses, risk mitigation strategies, and clear credit recommendations.

• Ensure credit proposals comply with the bank’s credit policies and credit risk appetite.

• Provide effective challenge and guidance to front office credit proposals, drafting and presenting credit opinions to Credit Committee while maintaining objectivity.

• Monitor credit ceilings, exposures, and borrower financial performance, ensuring compliance with loan covenants and conditions.

• Conduct regular credit reviews, research industry and customer information, and monitor sector trends for early warning signals.

• Support credit risk leadership with professional risk analysis and assist with credit risk management tasks as required.

Skills and Attributes Required:

• Extensive experience in credit risk evaluation and financial analysis.

• Strong analytical, negotiation, and problem-solving skills.

• Ability to work both collaboratively and independently.

• Positive, can-do attitude with a high level of professionalism.