Credit Risk Analyst

• Process credit applications and conduct assessments of credit risk for individual transactions, providing recommendations to the Credit Committee.
  
• Monitor and process annual and interim credit and rating reviews initiated by the front office, and produce independent risk assessments.
  
• Organize and facilitate Credit Committee meetings as required, maintaining comprehensive records. Handle submissions to Head Office for credit approvals.
  
• Continuously monitor customer credit profiles throughout their term, conducting asset quality reviews, promptly identifying early warning signals, and addressing credit limit breaches with appropriate remedial actions.
  
• Offer support in credit administrative tasks, including covenant monitoring, input and verification of limits in systems, and reviewing contracts and documentation.
  
• Actively participate in stress testing, scenario analysis, and portfolio simulations on a regular basis.
  
• Generate periodic and ad-hoc risk reports, including regulatory reporting and risk alerts/updates, for senior management review.
  
• Assist in reviewing departmental policies and procedures to ensure they remain current and effective.
  

Requirements

• Previous experience in a risk or credit function, preferably within the corporate banking sector.
  
• Proficiency in working with data from various sources and generating insightful analysis.
  
• Familiarity with corporate banking products is a plus.
  
• Awareness of banking systems and databases, with the ability to interact with them through coding and/or data visualization and modeling tools.
  
• Strong data interrogation and report building capabilities.
  
• A technical understanding of credit risk and broader prudential risks would be advantageous.
  
• Familiarity with credit risk models and their management is a plus.