<p>We are seeking a diligent Credit Analyst to join our lending team. The role requires careful financial assessment, clear reporting and pragmatic credit recommendations. The successful candidate will liaise with relationship managers and risk teams to protect asset quality and support business growth. This position suits an analytical thinker with excellent communication and sound judgement.</p>
<p>This Credit Analyst job description outlines the purpose, responsibilities and required skills for recruiting a top candidate to manage credit assessment and portfolio monitoring.</p>
<h2>Credit Analyst Job Profile</h2>
<p>The Credit Analyst will evaluate the creditworthiness of individuals and corporates, analyse financial statements and produce credit reports to support lending decisions. The role includes monitoring existing exposures and identifying early warning signs within the loan book.</p>
<p>The post requires collaboration with commercial teams, risk officers and external parties to ensure compliance with policy and to recommend appropriate credit terms. Attention to detail and timely delivery of assessments are essential.</p>
<h2>Credit Analyst Job Description</h2>
<p>The Credit Analyst will be responsible for performing detailed quantitative and qualitative analysis of applicants and borrowers. This includes reviewing balance sheets, profit and loss accounts, cash flow projections and industry dynamics to form a clear view of repayment capacity and collateral adequacy. The analyst will prepare written credit memoranda and present findings to credit committees or senior management.</p>
<p>In addition to new business assessments, the role requires active portfolio monitoring. The analyst will track covenant compliance, review periodic financial updates and escalate credit deterioration promptly. Where necessary, the analyst will work with restructuring teams to propose remediation plans and recovery strategies that protect the lender's interests while seeking commercially viable outcomes.</p>
<p>Accurate risk grading and adherence to internal credit policy and regulatory requirements are vital. The role may involve developing and maintaining credit models, conducting scenario analysis and stress testing to quantify downside exposures. Strong stakeholder management is required to explain risk assessments to relationship managers, auditors and regulators.</p>
<h2>Credit Analyst Duties and Responsibilities</h2>
<ul>
<li>Assess credit applications through financial statement analysis and industry research.</li>
<li>Prepare comprehensive credit reports and recommendations for credit committees.</li>
<li>Analyse cash flow and debt servicing capacity using quantitative models and judgement.</li>
<li>Conduct regular portfolio reviews and monitor covenant compliance.</li>
<li>Identify early warning indicators and escalate potential problem credits.</li>
<li>Support loan structuring, pricing and collateral assessments in line with policy.</li>
<li>Maintain accurate risk ratings and documentation to meet audit and regulatory standards.</li>
<li>Collaborate with relationship teams to advise on credit terms and mitigation measures.</li>
<li>Contribute to the development and validation of credit models and stress testing exercises.</li>
<li>Provide training or guidance to junior analysts and share best practices.</li>
</ul>
<h2>Credit Analyst Requirements and Qualifications</h2>
<ul>
<li>Degree in finance, accounting, economics or a related discipline; professional qualifications such as ACA, ACCA or CFA preferred.</li>
<li>Minimum 2 to 5 years of experience in credit analysis, corporate banking, commercial lending or financial risk.</li>
<li>Strong financial statement analysis, forecasting and credit modelling skills.</li>
<li>Excellent written and verbal communication skills with the ability to present complex analysis clearly.</li>
<li>Good knowledge of lending policy, regulatory requirements and risk management principles.</li>
<li>Proficient in Excel and experience with credit review systems or loan management platforms.</li>
<li>High attention to detail, good organisational skills and ability to manage competing priorities.</li>
<li>Sound commercial awareness and ability to balance risk and business objectives.</li>
<li>Ability to work independently and as part of a team, with a collaborative mindset.</li>
</ul>