Credit Analyst | CBQ

We are looking for A credit Analyst To support the Business in managing credit risk by using appropriate judgement and commercial credit experience to assess credit worthiness of a customer. Ensure that overall quality of accounts are within acceptable risk parameters and remain within Bank’s lending policies and guidelines.

• Lead the process of CREDIT FACILITY REVIEW (CFR) with a high quality analysis of credit applications for International, Local Corporate & SME, Trade Financing and High Net worth (HNWI) / VIP clients. Adequately structure facilities adhering to defined risk levels and make sensible recommendations with practical and acceptable risk mitigating conditions to the approving authorities under the delegated credit authority.
• To have a quality & effective one-to-one pre-deal discussions with the Business and Credit Team and reach an acceptable proposition which addresses the concerns of relevant stakeholders.  The discussion should be reflective in the credit applications or agreed upon through subsequent emails. Any unresolved issues are to be documented for record by email.
• Accurate spreading of financials and analysis in the MRA and carry out appropriate re-classifications wherever necessary and ensure that MRA grading of account is appropriately done and reflects the underlying risk.
• Assist Business in portfolio quality management, tracking and monitoring covenants and escalating overdue items for remedial.
• Understand, implement and communicate the Bank’s and QCB’s policies, procedures etc.