Associate, Credit Analyst (Financial Institution Sector)

Office Status: Hybrid
Salary: $70,000 – $90,000

Responsibilities:

• Prepare quality credit reports with special attention on information integrity, analytical quality, and credit merits.
• Joint due diligence vetting, structuring and analysis on potential transactions
• Prepare credit assessment including adjudication opinion, projections and stress test, to be reviewed by the Head of the Consumer and Industrial team prior to CAC.
• Present and defend cases in the CAC and CMC, where applicable.
• Prepare approval form, including any conditions precedent (“CP”, or prerequisite) to the credit approval.
• Vet that all applicable CPs have been satisfactorily met prior to closing/funding.
• Review GCMS entries accordingly
• Review legal documents with the focus on credit terms (covenants, collateral, amortization, interest rates and other special items)
• Post disbursement – prepare, jointly with the RM, interim and scheduled annual review on a timely basis.
• Post disbursement – attend to all audit, loan review and regulatory requirements.
• Support Credit MIS including portfolio analysis and periodic reporting.
• Support credit policies, procedures, and training.
• Other requirements may arise as per the growth of the portfolio.