Senior Credit Analyst
Job Summary
The Senior Credit Analyst provides essential credit analysis support for corporate banking clients across various sectors including Aviation and Shipping. This role involves preparing detailed financial reports, models, and projections to facilitate sound credit decision-making. The position requires close collaboration with relationship managers and risk stakeholders to monitor portfolio performance and ensure compliance with internal policies.
Responsibilities
- Conduct detailed corporate credit and financial analysis
- Develop financial models and cash flow projections
- Prepare comprehensive credit reports for approval
- Monitor portfolio risks and borrower performance
- Collaborate with Relationship Managers and Risk teams
Required Skills
- Financial statement analysis
- Credit report writing
- Financial modelling
- Corporate banking risk assessment
- Bilingual (English and Chinese)
Job Details
Responsibilities:
1. Credit Analysis and Financial Assessment: Conduct detailed credit analysis on corporate banking clients to assess their financial strength, business performance, repayment capacity, and overall creditworthiness. Analyze historical and current financial statements and evaluate borrowers’ profitability, leverage, and cash flow generation.
2. Financial Modelling, Forecasting, and Projections: Prepare financial models and projections based on supportable assumptions. Review client-provided forecasts for reliability and assess sensitivity to key market variables.
3. Credit Report Writing and Credit Decision Support: Prepare comprehensive credit analysis reports. Summarize key financial findings, risks, and recommended considerations to support the credit approval process.
4. Stakeholder Coordination and Business Support: Work closely with Relationship Managers to validate data and provide timely responses to queries from the Credit Risk team.
5. Sector and Industry Analysis: Conduct research on market trends and regulatory changes impacting sectors like Aviation, Shipping, and Financial Institutions to provide informed risk views.
6. Portfolio and Risk Monitoring Support: Assist in monitoring financial covenants and credit triggers. Identify emerging risks or material changes in borrower circumstances.
7. Workload Management: Manage multiple credit cases effectively, prioritizing submissions to meet tight turnaround times in a fast-paced environment.
Job Requirements:
- Minimum bachelor’s degree in Business, Finance, Accounting, Economics, or related discipline.
- Minimum 3 to 5 years of relevant credit analysis experience in corporate or commercial banking.
- Prior credit writing experience is required.
- Strong knowledge of accounting principles, financial statement analysis, and credit risk assessment.
- Ability to assess corporate borrowers’ financial performance and business risks.
- Proficiency in spoken and written English and Chinese, as the role requires liaison with Chinese-speaking headquarters.
- Excellent presentation, communication, and stakeholder management skills.