Senior Credit & Financing Analyst Full Time NEW

Purpose of the Job: To realize effective credit decision making by producing accurate credit analysis report and ensuring sound customer credit risk grading

Generic Functions:

• Take up the roles of the Manager in his/her absence
• Actively participate in developing, reviewing and implementing policies & procedures, plan /budget of the division
• Mentor and enable staffs below his /grades towards achieving their effective performance
• Demonstrate the Bank’s code of conduct; embody the bank’s good culture and corporate image to the public
• Engage in teamwork, collaboration, and transparency work practices

Specific Functions:

• Collect and check information and documents from the Customer Relationship Management (CRM) team, internal database and external sources (except the customer) for further credit processing
• Assess the customer credit applications using a range of criteria including purpose of application, credit viability, customer payment history and customer credit-worthiness
• Prepare a comprehensive credit appraisal report independently for credit committee deliberation
• Review credit limits of existing customers to determine an increase or decrease of the credit limits based on borrower’s repayment history, financial strength, and history of default, assets and liabilities

• Qualification: MA/BA Banking & Finance, Business Management, Management, Accounting, Economics or any other related fields.
• Experience: 5/7 Five/Seven years of relevant Banking experience out of which at least two/2 years of relevant experience as Credit Analyst, Financing Analyst, Senior Credit review Officer, Senior Credit Risk Management Officer or equivalent role.