About the Role
As a Credit Analyst, you will be responsible for the evaluation, structuring, and recommendation of leasing and loan facilitiesin accordance with SBM Leasing's credit policies and risk standards. You will conduct an in-depth financial and credit analysis, identifying key risks, recommending appropriate mitigants, and ensuring that all proposals submitted for approval are complete, accurate, and well-supported
.
How you will contribu
- tePrepare comprehensive Credit Proposals (CP) based on thorough financial, industry, and borrower analys
- isEvaluate creditworthiness of borrowe
- rsPerform periodic review of term loan accounts, including assessment of repayment capacity, financial performance, and compliance with approved terms and conditio
- nsAnalyze loan utilization, repayment trends, and compliance terms and conditions of existing accounts in the portfolio to identify early warning signa
- lsSupport credit reviews for renewal, line increases, or restructuring of existing term loan faciliti
- esPrepare detailed financial analysis based on audited and/or management financial statemen
- tsAssess borrower's repayment capacity using financial ratios, cash flow analysis, and projectio
- nsPrepare and process credit scorecards using applicable syste
- msParticipate in client calls, site visits, and interviews with Relationship Managers (RM/TH) to understand business operations and risk profi
- leConduct ocular inspections and validate business existence and operational soundne
- ssCoordinate with clients and RMs for document requirements and clarificatio
- nsAssist RMs in presenting and defending credit proposals before the Credit Committee meeti
- ngEnsure strict adherence to internal credit policies, regulatory requirements, and approval conditio
- nsMaintain proper documentation and filing of credit proposals, scorecards, and supporting analysis in shared syste
- msUpload Credit Proposals and scorecards to designated repositori
- esPerform other duties that may be assigned from time to ti
me
What we're looking
- forAt least 2 years of experience in credit evaluation and financial analysis from banking, leasing, and/or lending operati
- onsCertified Public Accountant (CPA) is a plus but not requi
- redStrong financial analysis and credit assessment ski
- llsExcellent written and verbal communication ski
- llsExpert in MS Excel and has working experience with financial modelling tools/systems (e.g. Optimist, Excel-based tools, Camel
ot)
