Financial Credit Analyst

About the Role
This position supports the corporate team in its daily operations by enhancing the quality of credit decision management across business development departments and performing data analysis across credit portfolios. The role involves utilizing analytical skills to provide valuable insights that guide the decision-making process for credit-related transactions.

Responsibilities

• Conduct data analysis regarding transactions on credit facility applications received by the Department. Substantiate recommendations for use by stakeholders to make decisions on new loans/investments, renewal, amendment, and structuring of existing loans/investments.
• Perform in-depth analysis of available data to develop effective and efficient risk identification, assessment, and measurement for all credit decisions.
• Provide decision-makers with accurate numbers, information, data, and analysis to ensure sound credit decisions that align with the company's objectives.
• Review and analyze credit information and related matters, studying conditions of economic sectors, financial solvency, continuity, and status of mortgages and guarantors.
• Prepare detailed credit reports on borrowers' positions, including credit status, repayment capabilities, potential risk of default, and insights on establishing/maintaining relationships. Submit observations to the direct supervisor.
• Provide all data and reports to relationship managers and the direct manager as requested to facilitate decision-making processes and develop recommendations.
• Contribute to the analysis of estimated cash flows by preparing necessary reports and delivering essential data and information to the direct manager.
• Inform the direct supervisor of all developments, events, and economic reports regarding market sectors, credit portfolios, and clients.
• Offer necessary support for all projects related to the company's business, supplying any required data, reports, or information.

Skills and Competencies

• University degree in Business Administration, Economics, Banking and Finance, Statistics, or a related discipline.
• At least 1 year of work experience in credit/data analysis within banks or related institutions.
• Strong analytical skills, utilizing statistical and mathematical tools, with expertise in quantitative calculations and knowledge of stress tests, Basel, and credit/market/operational/liquidity risk.
• Proficient in English.
• Competent in using computers and handling various application systems.
• Good knowledge of the services and products provided by the company.
• Comprehensive understanding of relevant policies and procedures governing work and their internal and external updates.
• Ability to work under pressure.
• Effective communication and interaction skills.
• Strong planning and organizational abilities.
• High analytical capabilities.
• Ability to work successfully in a team.