Credit Analyst - Large Corporates (FGT)

SUMMARY OF ROLE

Evaluate a borrower’s past financials and credit
history to determine their financial soundness and their ability to repay
credit advanced to them by a lender. Gathers important financial information
and evaluate it using financials ratios and compare the ratios with industry
benchmarks to decide if application’s cash flow is sufficient to repay the
obligation. Responsible for submitting renewals, as well as finalizing new
deals at the specified time frame.

Responsibilities

Credit Assessment

·     Conduct
preliminary analysis on the financial statements, projections & business
models at the deal initiation stage, as well as a thorough analysis of
financial analysis of financial statements, facility, security structure).

·         Prepare ITS
& ITS approvals.

·     Once the deal
is finalized, conduct assessment of credit requests, including new requests,
changed requests, refinancing and annual due diligence and provide
recommendations tied to analysis and assessment of credit risk whilst
understanding the difference between securities to understand the risk aspect.

·       Present
analysis findings, and recommendation to managers, especially regarding their
ability to repay. It is important that the credit analyst understand the
cash -flow of the client.

·         Develop and
prepare spreadsheet models to support analysis of new and existing credit
applications.

Account
management:

·         keep up to date
with the bank’s lending protocols.

·         Follow up on
overdue, excess over limits, missing and expired documents, call report,
insurance expiry trackers.

·         Reconcile
credit files and identify discrepancies and variance.

Relationship
managers & Team Support:

·         Support
business unit, especially relationship managers in managing client’s portfolios.

·         Help to enhance
the quality of credit applications and turnaround time.

·         Keeping
knowledge of key issues up to date (for example legal, market risk and
compliance issues as well as financial reviews).

·         To support the
team with various MIS requirements as & when required.

·         In the event of
the absence of ARM, RM, support the divisional Head in the execution of their
duties.