Credit Analyst
16 hours ago
Your key responsibilities
Team Lead
- Lead the local team of credit analysts and liaise with senior onshore desk heads/counterparts on a regular basis, while managing own set of deliverables
- Build and develop the local team in terms of skillsets and Book of Work
Initial financing enquiries and live execution
- Financial Analysis of underlying companies and/or collateral. Depending on each enquiry/transaction, including but not restricted to Credit fundamental analysis, analysis of financials, comparable company, valuation analysis, financial modelling
- As required, general industry overview that relates to the financing enquiry/ transaction
- Research on sponsors/clients
- Transaction writeup and internal transaction presentation
- Collation of relevant research reports, including ratings report to the extent applicable
- Commercial, business and financial due diligence in a live transaction
- Preparing/assisting in credit approval analysis and addressing Risk Management queries
Post transaction
- Monitoring transaction covenants (eg financial covenants, information needed on a periodic basis)
- Transaction amendments and credit renewal process
Others
- Timely input of new/to-be-renewed credit files and risk ratings into the lending digital platform, for onward credit approvals
- Participate in system testing
- Potential ad hoc projects
Private bank/ Wealth Management experience would be preferable
Experience in change management and process improvements initiatives would be helpful for candidate to succeed in the role
Your skills and experience
Education and Experience:
Key Competencies:
- Prior experience in managing and leading a team with similar skillsets
- Comfortable with leading a team alongside managing own tasks and responsibilities
- Prior experience of credit analysis with a strong knowledge of Lending business
- Highly motivated person with initiative, willing to learn and actively blend with his/her onshore and offshore colleagues.
- Superior analytical aptitude, problem solving abilities and excellent communication skills
- Strong understanding of finance with ability to analyze financial statements
- Team player, Fast thinking, dynamic and a strong work ethic
- Experience of at least 10 years in a financial institution in a similar role would be preferred
- Attention to detail and high level of motivation
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