About the role
About the position:
This position plays a pivotal role in safeguarding the quality of the credit portfolio while supporting responsible business growth. The Credit Reviewer conducts deep-dive credit analysis, combining financial with market insights to support sound credit decisions. The role requires urgency, strong analytical thinking, and cross-functional coordination. The successful candidate will also contribute to improving internal tools and frameworks to strengthen credit evaluation and monitoring processes.
Responsibilities: • Conduct comprehensive financial analysis of commercial, corporate, and FI clients, including review of income statements, balance sheets, cash flows, and financial projections. • Assess client financial health, focusing on liquidity, profitability, solvency, and debt-servicing capacity. • Evaluate credit risk by identifying financial trends, sector-specific risks, and macroeconomic influences. • Prepare well-structured Credit Evaluation Reports (CERs) with actionable recommendations on credit structure, limits, and risk appetite alignment. • Monitor credit exposures and portfolio performance, updating assessments regularly to maintain credit discipline. • Ensure compliance with internal credit policies, risk guidelines, and regulatory frameworks in all credit decisions. • Conduct market and industry research to contextualize credit risks within evolving economic and competitive landscapes.
Requirements: • Strong foundation in financial analysis, accounting, and credit risk assessment. • Experience in reviewing credit proposals for commercial/corporate/FI borrowers. • Proficiency in Excel and has the ability to evaluate forecasts and sensitivity scenarios. • Familiarity with credit risk policy, credit processes, and regulatory requirements. • Strong written and verbal communication skills; able to present clear, balanced credit opinions.
Bonus Point if: • Have experience building or refining credit scoring and monitoring tools using both financial and non-financial parameters. • Bring a forward-thinking mindset and can contribute ideas to improve credit review processes or risk frameworks.
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