Job Description

The incoming candidate will be a part of one of the Bank's Credit (lending) teams and will be expected to have strong understanding of financial statements including important lending and credit risk metrices.

Job Responsibilities

+ Credit-worthiness analysis of borrowers, including financial analysis, industry and sector research, to ensure Bank's lending remains within acceptable Risk metrics. + Drafting detailed credit reports with key takeaways on the purpose; report has to be concise, easy to read for credit risk to review and comment
+ Identifying, setting and monitoring deal specific covenants which can act as early warning signals during the life of the loan
+ Developing and maintaining detailed financial model (in Excel) comprising transaction details, financial statement analysis, projections, ratio & variance analysis, key performance indicators, credit metrics, amongst others
+ Conducting sensitivity analysis - for stress testing on loans for serviceability
+ Regular interaction with key stakeholders and clients to discuss for eg. borrower requirements and performance, data gaps, inconsistencies, analytical frameworks, loan servicing etc.

Desired qualities and skills:

+ Strong financial analysis skills - thorough understanding of accounting / financial concepts including financial statements, variance analysis, and assessment of key credit risk metrices and covenants + Ability to draft credit reports
+ Strong communication skills (oral and written) in English.
+ Proficient in use of Excel, handling linked worksheets, able to handle complex models.
+ Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, curious, team player, fast learner, and willing to take ownership of tasks and deliverables.
+ Hands on attitude, willing/capable to understand the big picture.
+ Ability to succeed in a culture where change and speed are part of daily work.