Senior Credit Analyst

Job title: Senior Credit Analyst Role Overview The Senior Credit Analyst is responsible for performing comprehensive credit assessments of large corporate clients to facilitate corporate lending decisions. This role entails evaluating creditworthiness and preparing detailed credit proposals for effective credit approval processes within the organization. Duties and Responsibilities • Conduct thorough corporate credit assessments to determine risk profiles of large corporate clients. • Prepare and present detailed credit proposals to the approval committee, ensuring all relevant data and analyses are included. • Perform rigorous credit appraisals, analyzing financial statements, cash flow projections, and market conditions. • Collaborate with relationship managers to gather necessary information and insights regarding client operations and financial health. • Develop and maintain robust financial models to support credit evaluation processes. • Monitor ongoing credit exposure and assess any changes in client circumstances that may impact credit ratings. • Engage in rating analysis to ensure compliance with internal policies and regulatory requirements. • Contribute to the enhancement of credit assessment methodologies and best practices within the department. Required Qualifications • Bachelors degree in Finance, Accounting, or a related field; advanced degree is preferred. • Minimum of 7 years of experience in corporate credit analysis or related fields. • Demonstrated expertise in corporate lending, credit appraisal, and developing credit proposals for large corporates. Desired Attributes • Strong analytical skills with attention to detail in financial analysis and risk assessment. • Excellent communication skills to articulate findings and recommendations clearly to various stakeholders. • Proficient in financial modeling and knowledge of relevant software tools for data analysis. Applications will be assessed against the stated requirements.