Credit Analyst - SME ME

Key Responsibilities

• Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness.
• Provide insightful, succinct and timely client portfolio credit analysis.
• Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events.
• Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters.
• Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants.
• Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations.
• Provide credit analysis with consideration for market dynamics and client industry, including:
• Industry risks and client competitive positioning within the industry.
• Client funding strategy, financial policies, treasury activities, including hedging, and cash management.
• Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability.
• Reputational risk profile, including climate and sustainability risks.

Skills and Experience

• Risk management lifecycle.
• Financial forecasting and modelling.
• Financial and quantitative skills.
• Client due diligence.
• Using client behaviours and preferences to evolve products and services.
• Product knowledge for Markets, Transaction Banking and Corporate Finance.
• Knowledge of the financial services regulatory environment.
• Data analysis and visualisation.
• Ability to work under pressure, in a dynamic environment.