Credit Analyst

Key Responsibilities

• Assess the creditworthiness of counterparties: prepare detailed credit applications capturing relevant information as per internal policies, perform credit outlooks, recommend risk ratings using the bank’s internal rating tools, and propose global credit limits based on internal risk appetite.
• Obtain RISQ approvals on ratings and credit limits within specified timelines, and ensure internal systems are accurately updated.
• Process one-off credit requests in a timely manner to meet business deadlines and maintain the annual review cycle.
• Research and analyze financial data on the counterparty to prepare high-quality analysis in credit applications that addresses both client credit risk and transaction risk.
• Perform ongoing monitoring of client credit quality to identify possible deterioration and propose appropriate actions (changes in risk rating & limits).
• Closely monitor developments related to regulatory, industry, counterparty events, and track external rating changes.
• Assist in performing stress tests on banking sectors, and preparing sectoral research and outlook.
• Coordinate and liaise with several internal stakeholders: Relationship Managers/Bankers, Business Lines/Traders, Legal, Risk, KYC, Operations, and others.

Qualifications

• Knowledge of capital markets and credit-related products, particularly derivatives, securities lending/repo, and trade finance – preferable.
• Manage key components of counterparty credit administration such as, negotiating and controlling trading legal documentation (ISDA/CSA, GMRA, GMSLA) – preferable.