Credit Analyst-Mid Markets

A Credit Analyst – Mid Markets is responsible for evaluating the creditworthiness of mid-sized corporate clients, underwriting loan facilities, and monitoring portfolio performance to ensure sound lending decisions. The role blends financial analysis, risk assessment, and client engagement.

 

📌 Key Responsibilities

• Credit Risk Assessment Conduct detailed analysis of financial statements, cash flows, collateral, and industry trends to determine borrower creditworthiness.
• Underwriting Loan Facilities Structure loans, recommend approval limits, and prepare credit memos for committees.
• Portfolio Monitoring Track covenant compliance, early warning indicators, and recommend remedial actions for deteriorating accounts.
• Financial Modeling Build cash flow projections, ratio analysis, and stress testing scenarios to evaluate repayment capacity.
• Client Engagement Liaise with relationship managers and clients to explain credit decisions, negotiate terms, and validate financial data.
• Regulatory Compliance Apply internal risk-rating methodologies and ensure adherence to banking regulations and capital adequacy norms.