Job Description

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Responsibilities

• Conduct comprehensive credit analysis and evaluate the creditworthiness of existing and prospective corporate customers.
• Review and analyze financial statements, cash flow projections, business plans, and industry outlooks to assess repayment capacity and identify key credit risks.
• Prepare credit applications, annual reviews, covenant monitoring reports, and credit recommendations in compliance with the Bank’s credit policies and regulatory requirements.
• Perform industry, market, and peer analysis to support sound credit decision-making and portfolio management.
• Monitor customer performance, credit exposure, and risk indicators, and recommend appropriate risk mitigation measures when necessary.
• Work closely with Relationship Managers to structure financing solutions that meet customer needs while maintaining prudent risk management standards.
• Support the execution of banking products and services by providing credit and risk assessment throughout the transaction lifecycle.
• Maintain accurate credit documentation and ensure timely completion of internal approval processes.
• Contribute to portfolio quality and support the achievement of the Bank’s business objectives through effective credit risk management.

Qualifications