Overview
Assess SME and corporate loan applications by examining financial statements, cash flow, business models, and creditworthiness.
Recognize and evaluate key risks (financial, industry, management, collateral) and suggest appropriate mitigation strategies.
Design credit facilities aligned with the borrower's needs and the bank's risk appetite, including terms, pricing, and security requirements.
Compose detailed credit proposals or memos with clear justifications, risk analysis, and approval recommendations.
Coordinate with relationship managers, legal, and risk teams to facilitate customer due diligence, site visits, and verification of submitted documents.
Oversee assigned portfolio performance, ensure covenant compliance, and identify early warning signs or deterioration in credit quality.
Guarantee all credit evaluations and decisions comply with internal policies, regulatory guidelines, and credit approval frameworks.
Evaluate adequacy and enforceability of collateral, and collaborate with legal to ensure proper documentation and perfection.
Work closely with Relationship Managers, Credit Committee, and other internal stakeholders to facilitate timely and sound credit decisions
Qualifications
Demonstrated experience in SME underwriting and credit risk assessment, with at least [3] years of experience in SME/Corporate credit analysis.
Commercial banking background as a credit analyst would be advantageous.
Robust analytical skills with the ability to interpret financial statements, assess creditworthiness, and make data-driven lending decisions.
Comprehensive knowledge of lending regulations, risk management principles, and best practices in underwriting.
Outstanding interpersonal skills, effective communication abilities, both verbal and written, with the capacity to articulate complex financial concepts to non-financial stakeholders.
A strategic mindset with a keen focus on portfolio performance and risk management.
Perks
You'll receive competitive remuneration and collaborate with exceptional individuals.
You'll operate in an attractive environment with a flat structure and tackle complex, real-world challenges
How To Apply
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Make sure you are logged in and your email is verified (Register if you dont have an account).
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Click the Apply Now button above.
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Your default email application or the application link will open.
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Attach your Application letter, updated Curriculum Vitae (CV) and any supporting documents required.
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Use a professional subject line such as Application for "Indicate Position"
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Make sure to send your application before the closing date.
Note: Only shortlisted candidates are contacted.
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