Senior Credit Analyst – Commercial Bank x2

Description: Job Purpose Then Senior Credit Analyst will perform credit evaluation and risk assessment on commercial and retail credit proposals and periodic reviews. Identify and assess credit risks and potential problems, and make recommendations for appropriate lending authority’s consideration and approval. Ensure efficient turnaround of credit processing. Oversee the assessment of the creditworthiness of potential corporate customers and conduct periodic reviews of existing customers. Summary of Key Responsibilities: Take the lead in creating credit scoring models and negotiate loan terms with new and potential clients Conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department. Formulating financial statements and preparing financial projections Management of internal and external audits and the resolution of audit findings. Take ownership of audit action log, resolving outstanding findings. Audit facilitation and liaison between internal and external auditors. Responsible to research, write and present financial & industry analysis impacting credit decisions and submit the documents for approval. Analysing and spreading the financial statements on credit lens. Oversight of collateral custody processes and control. Management of disbursements of credit facilities in line with sanction terms and policy, including fee collection oversight. Review of all Central Bank Prudential returns. Suggesting credit limitations to bank management Examining and maintaining the credit history of customer companies Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system. Working closely with Regional Analysts and Credit Officers in respective regions to evaluate risk and to monitor a cli