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Credit Analyst is an intermediate-level position, responsible for conducting credit reviews, monitoring the portfolio to identify the variation in the quality of its customers, in coordination with the Risk Management team.
Job Responsibility:
Conducts risk assessments and customer credit analyses, reviews financial results and peer reviews, and prepares financial projections
Prepares approval memoranda (Credit Reports and ATAs), conducting due diligence and sensitivity analyses
Escalates credit concerns/updates to risk and business managers and proposes risk mitigation measures
Assists in preparing portfolio review and conducting stress tests
Participates in credit committees and discussions
Engagement in customer visits and calls
Builds working relationships with multiple teams across the bank
Resolves issues and recommends solutions to moderate issues
Serves as an expert and consultant for specific industries
Advises the commercial area on transaction structures and negotiates credit terms
Appropriately assess risks during business-related decision-making processes
Transparently escalate, manage, and report control issues
Requirements:
Previous experience in credit analysis (3-6 years)
Knowledge of accounting, corporate finance, financial analysis/modeling, credit products, derivatives, risk assessment and transaction execution
High degree of customer analytical capacity and complex structures
Consistently demonstrate clear and concise communication (written and oral)
Proven ability to work with a high degree of autonomy and in a team
Ability to work with reduced delivery time (sense of urgency)
Ability to negotiate with the commercial area and risks
Previous experience of DD meetings with clients
Demonstrated responsibility, self-motivation and business acumen
Mastery of the Office package
Bachelor's degree/university degree or equivalent experience
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