About the Role:
As an SME Credit Analyst, you will ensure the quality and resilience of the Bank's SME credit
portfolio. Your primary focus will be evaluating financial, business, and collateral risks, monitoring
portfolio performance, and assessing the broader business impact of credit decisions within a
dynamic market environment.
Key Responsibilities
- Conduct rigorous evaluations of SME credit proposals through detailed analysis of financial statements, business profiles, borrower character, and collateral.
- Provide definitive recommendations on credit eligibility, integrating assessments of broader business impacts and prospective portfolio deterioration.
- Incorporate insights from the dynamically shifting credit risk environment directly into underwriting recommendations.
- Actively monitor the ongoing performance, trends, and risk metrics of the assigned SME credit portfolio.
- Promptly identify signs of asset quality deterioration and formulate mitigation strategies.
- Manage the end-to-end approval pipeline to guarantee that necessary credit authorizations are secured within designated timeframes.
- Coordinate effectively with underwriting and business units to clarify assessments, refine documentation, and optimize the credit delivery process.
- Deliver objective, timely, and structured review outcomes while identifying continuous process improvement opportunities.
- Align all credit analyses and risk assessments with the Bank's internal underwriting guidelines and standard operating procedures .
- Maintain strict compliance with external regulatory requirements and internal credit review policies throughout the credit lifecycle.
About You
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field
- Minimum of 3–5 years of commercial banking experience, specifically in SME or commercial credit analysis
- Deep understanding of financial statement analysis, cash flow forecasting, and debt-service capacity metrics
- Proven ability to evaluate financial, business, and collateral risks within shifting economic landscapes
- Familiarity with credit risk modeling, portfolio monitoring tools, and early-warning signal frameworks
- Exceptional organizational skills with a track record of managing pipelines under strict turnaround times (TAT)
- Strong written and verbal communication skills for compiling objective, data-driven credit memos and negotiating with stakeholders
- BSMR level 1 and any financial analysis certification will be usefu
- Strong working knowledge of local banking regulations and credit compliance standards
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