About the role
Responsibilities:
- Analyse borrower financial statements, including Balance Sheet, Income Statement, and Cash Flow Statement, to assess creditworthiness.
- Prepare Credit Assessment Memorandums (CAMs) and underwriting recommendations for commercial lending transactions.
- Perform ratio analysis, including EBITDA, leverage, liquidity, DSCR, and working capital assessment.
- Develop financial forecast models and cash flow projections under various business scenarios.
- Conduct credit reviews, risk assessments, and annual portfolio monitoring for corporate clients.
- Evaluate business models, industry outlook, competitive positioning, and key credit risk factors.
- Review 10-K, 10-Q, annual reports, and other financial disclosures to support underwriting decisions.
- Utilize S& P Capital IQ, Moody's CreditEdge, IBISWorld, and Advanced Excel for financial and credit analysis.
- Ensure compliance with credit policies, regulatory requirements, and internal underwriting guidelines.
- Collaborate with relationship managers, risk teams, and stakeholders to support timely credit approvals.
Requirements:
- Experience in Commercial Banking, Credit Underwriting, Corporate Banking, Credit Risk, or Financial Analysis.
- Experience evaluating large corporate borrowers and commercial lending transactions.
- Strong understanding of banking regulations, credit policies, and underwriting frameworks.
- Experience in preparing credit approval packages and underwriting recommendations.