Senior Credit Analyst - CIB

Experience & Qualifications

• Master’s degree in finance, financial engineering, Business Administration, Mathematics & Statistics, or related field of study.
  
• At least 5 years of experience in loan Structuring, Credit Analysis, cash flow modelling, preferably in Corporate Banking, Investment Banking, Consulting, capital markets or Private Equity.
  
• Experience in deal execution across a wide array of industries.
  
• Good understanding of credit products including term loans, revolving credit facilities, trade finance and other instruments.
  

DEAL EXECUTION & CREDIT DOCUMENTATION

• Support product and coverage teams in the execution of sound transactions from origination to closing.
  
• Review and structure loans within the requirements of the Group CIB Credit Policy and Procedures, working closely with Client Coverage Solutions (CCS) to serve Global, Regional and High Local Corporates), as well as public sector clients.
  
• Conduct research and perform detailed financial and credit analyses required in the execution of complex transactions in a wide array of sectors.
  
• Build financial models and develop appropriate credit metrics in accordance with the nature and level of complexity of deals under review.
  
• Prepare financial spreads and generate obligor risk ratings using in-house applications (ORR, Credit Lens, RAROC, EVA, etc.) during credit underwriting.
  

LOAN MONITORING & PORTFOLIO MANAGEMENT

• Work on the annual review of outstanding credit exposures in the CIB loan book, by drafting annual/interim review documents and credit packages.
  
• Ensure annual reviews are done on time and report on expired CAs if any.
  
• Provide support in the periodic monitoring of credit exposures in our books. This includes financial covenant calculations, the review of borrower undertakings, updating cash flow projections and other tasks.
  

BUSINESS DEVELOPMENT & PROCESS IMPROVEMENT

• Help build and grow the loan revenues and profit as per agreed budget targets and through strong collaboration and synergies between Coverage, Risk and Products teams.
  
• Contribute to periodic deal pipeline calls, update transaction statuses weekly and follow-up on the credit approval process for all loans in the pipeline.
  
• Support in the tracking of the turnaround time (TAT) at each stage of a loan execution process.