Credit Analyst

Job Description

• Analysing financial statements and performing in-depth quality credit research and detailed analysis.
• Evaluate risks based on analysis of financial data and thorough understanding of client s industry, business cycles, industry environment, environmental & social risks and other relevant factors using tools such as Scorecard, ESRAT, RWA calculator etc.
• Preparing credit applications for GAM accounts and providing support to FAM relationships (BCAs, memos, etc.)
• Evaluation and understanding of risks associated with individual transactions, products and borrowers and their activities
• Attend customer meetings, analysts briefings and interact with appropriate people within the customers organisation when required to achieve a clear understanding of risks and to ensure familiarity with customer business.
• Appropriate risk grading and risk tracking of the clients in keeping with the guidelines of the bank.
• Structuring credit solutions for the clients in conjunction with the Sales/Product team and ensuring the appropriateness of the products sold using tools such as Cat 2 Due Diligence Annexure.
• Liaise with legal / external counsel / CRC / CDU on credit related items for various banking facilities provided to clients.

Credit Monitoring

• Ensuring compliance with all facility terms and conditions.
• Monitor financial reporting covenants, risk triggers and external credit grading.
• Monitor credit quality by highlighting early warning signs of credit deterioration.
• Evaluation of security including evaluation of parent support policies.
• Monitor news/ articles/ announcements, which will impact customer s credit quality.

Credit Administration

• Monitor receipt of financial information for annual reviews and also on an ongoing basis (half yearly financials, newspaper/analyst reports).
• Liaising with LDU and CRC to ensure limit input in Transaction Processing systems as per credit approval.
• Ensure that appropriate controls are in place, consistent with Operational Risk Guidelines.

Sales Support

• Proactive participation in account planning sessions along with the Global Account Managers.
• Proactively assist Global Account Managers in preparation of credit related call reports and briefing notes and undertake research.
• In partnership with the RM to prepare the deal clearance memo / PSR, obtain the necessary pre approvals (eg: negative ER / segmentation, new relationship) and liaise with Credit for work-shopping.
• Liaise with GAM / RAM / FAM for credit matters.
• Review of FAM accounts (for GAMs) and liaising with credit on any credit issues.
• Build profile with client via frequent interaction and contact (e.g.: client calls, visits and events).

Compliance

• Ensure compliance with Banks policies and procedures to ensure that any breaches are authorised at the correct approval level.
• Completion of all mandatory risk and compliance training including e-learning within the stated timeframe.

Other Tasks

• Prepare for internal audit reviews, compliance monitoring reviews and/or external regulatory examinations including stress tests.
• Liaise with peers to assist and share best practices.
• To be environmentally friendly and embrace such practices to ensure compliance with the Bank s Social and Environment objectives.
• To participate and be actively involved in relevant bank initiatives and activities.

Key StakeholdersInternal:

• Senior Banker/Banker for designated portfolio
• Client Manager for designated portfolio
• Product partners for designated portfolio
• Key functional partners ie IMO, Credit, MDU, Legal, Compliance, Product Ops (Trade, Cash, FMO etc), Finance, Marketing
• CM Team Lead
• Segment Leadership team

External:

• Clients
• Legal firms, Audit
• Market Data Services providers

Our Ideal Candidate

• Bachelor degree in Banking or Finance preferred.
• Ideally 3+ years experience in banking or other relevant environment
• Risk & AML certified as stipulated by Bank policy for Credit Analyst role

The diverse nature of the role requires the following;

• Broad and comprehensive knowledge of how to interpret financial statements and ratio analysis
• Broad and comprehensive knowledge of lending, credit risk analysis and loans administration
• Sound understanding of the Banks policies, operating procedures, local underwriting standards and product programs
• Appreciation of Banking Law and general understanding of Australian Company Law
• Prompt decision making
• Strong Interpersonal skills
• Good PC skills
• Minimum 3 years experience in Banking including Credit Analyst role

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Keyskills :
creditbankingfinancial statementsriskfinancecredit risk analysiscredit riskbanking lawmusic makingdue diligencedata servicesrisk analysisearly warninginternal audit