Financial performance and cash flow sustainability
Business model, management capability and ownership structure
Industry, market and macroeconomic risks
Sources of repayment, collateral and security structure
Articulate clear credit recommendations aligned with risk appetite and business strategy.
Work closely with RMs to ensure complete and timely client information and documentation.
Liaise with Credit Approvers, Credit Risk, Portfolio Management and Credit Administration to facilitate smooth credit approval and documentation processes; and respond to queries arising from credit submissions.
Perform covenant monitoring to ensure:
Timely tracking and reporting of financial and non-financial covenants
Early escalation of potential or actual breaches
Effective remediation actions, waivers, or restructuring strategies where required
Asset Quality Management (AQM), Portfolio Management and Risk Monitoring
Maintain up ‑ to ‑ date financials, internal ratings and credit information for assigned accounts.
Monitor compliance with covenants, risk triggers and conditions precedent.
Prepare Early Warning Indicator (EWI) memos or presentations where deterioration is identified.
Support stress testing exercises and scenario analysis on portfolio exposures.
Escalate emerging credit concerns proactively to RMs and relevant risk stakeholders.
Controls and Governance
Ensure all credit submissions comply with the Bank's credit policies and guidelines, sector limits, approval authorities and regulatory requirements.
Manage credit ‑ related audit queries and remediation actions for assigned accounts.
Prepare rectification or exception memos for covenant breaches or non ‑ compliance, where required.
Requirements
Bachelor's or Master's Degree or any related disciplines ( Accounting/ Finance/ Business/ Economics) or equivalent professional qualification
At least 3 years of relevant experience in credit analysis, banking risk management, corporate banking.
Strong financial analysis and cash flow assessment skills.
Solid understanding of credit risk principles and lending structures.
Good working knowledge of banking credit policies and regulatory requirements.
Ability to assess risks across different industries and business models.
Strong written and verbal communication skills.
Ability to partner effectively with business stakeholders.
Sound judgement and risk awareness.
Ability to manage multiple deadlines in a deal‑driven environment.
