Credit Analyst - Business Banking

A Credit Analyst for Business Banking job description involvesanalyzing financial datato assess the creditworthiness of business clients, preparing detailed credit proposals, andmaking recommendationson loan applications. Key responsibilities include performing financial and ratio analysis, managing risk by monitoring client financial health, and presenting findings to sanctioning committees. The role requires strong analytical skills and knowledge of financial statements, regulations, and bank lending policies.

Key responsibilities

• Financial analysis:

  Conduct in-depth financial statement analysis, ratio analysis, and credit appraisal for business clients.

• Risk management:

  Monitor economic and industry trends, as well as the financial parameters of clients, to identify potential risks and take steps to mitigate them.

• Proposal development:

  Prepare detailed credit proposals, including justification for recommendations, for submission to credit committees.

• Client interaction:

  Meet with prospective clients to understand their needs, evaluate their business, and structure proposals within bank guidelines.

• Credit file management:

  Ensure credit files are accurate and complete. Perform due diligence, including background checks on new clients.

• Reporting:

  Create and deliver reports on analysis, findings, and credit risk to management and other stakeholders.

• Portfolio monitoring:

  Collaborate with relationship managers to monitor the performance of existing loans and credit facilities.