CREDIT RISK ANALYST

Job Description

Responsible for evaluating Business Banking credit applications by conducting in-depth borrower, financial, cash flow, sector, collateral, and facility structure analysis; providing sound credit risk recommendations; and supporting prudent lending decisions in line with the Bank’s credit policy, risk appetite, delegated authorities, and regulatory requirements.

Key Responsibilities

• Evaluate Corporate and Business Banking credit applications by analysing borrower background, ownership structure, management quality, business model, trading performance, repayment sources, and overall creditworthiness.
• Conduct detailed financial statement analysis, including profitability, liquidity, leverage, working capital cycle, debt service capacity, cash flow generation, sensitivity analysis, and key financial ratios.
• Assess industry, sector, market, customer, supplier, and macroeconomic risks that may affect borrower performance and repayment ability.
• Evaluate proposed and existing facility structures, including overdrafts, term loans, asset finance, trade finance, guarantees, and other Corporate or Business Banking lending products.
• Recommend appropriate facility limits, tenors, repayment profiles, covenants, security requirements, pricing considerations, and conditions to mitigate identified risks.
• Assess collateral adequacy, valuation reports, security coverage, enforceability, perfection status, insurance arrangements, guarantees, and other risk mitigants.
• Prepare clear, balanced, and well-supported credit evaluation reports and credit committee papers that present key risks, mitigants, recommendations, and decision points.
• Review credit applications for completeness, accuracy, policy compliance, delegated authority requirements, approval conditions, and regulatory expectations before submission for approval.
• Provide independent risk input to Relationship Managers and Business units while maintaining objectivity, sound judgement, and alignment with the Bank’s risk appetite.
• Monitor Business Banking exposures by tracking arrears, excesses, covenant breaches, account conduct deterioration, collateral shortfalls, facility utilization trends, and other early warning indicators.
• Escalate emerging credit concerns promptly and recommend remedial actions, watchlist classification, covenant tightening, restructuring considerations, or recovery interventions where required.
• Support annual reviews, renewals, excess approvals, temporary limit requests, restructures, variations, and amendments to approved facilities.
• Prepare portfolio insights, risk trend analysis, concentration reports, sector commentary, and management information to support credit governance and portfolio quality oversight.
• Ensure credit files and evaluation records are complete, properly documented, and compliant with internal credit policy, KYC, AML, collateral, legal, and regulatory requirements.
• Maintain up-to-date knowledge of Business Banking products, credit risk practices, economic developments, and regulatory changes affecting the lending portfolio.

Qualifications & Experience

• Bachelor’s Degree in Finance, Banking, Accounting, Economics, Risk Management, Business Administration or related field. Credit risk, financial analysis, or professional banking qualifications will be an added advantage.
• At least three (3) to five (5) years’ experience in banking or financial services, preferably in Corporate Banking, Business Banking, commercial credit analysis, credit risk evaluation, lending, relationship credit support.
• Corporate credit evaluation
• Financial statement, cash flow, affordability, and sensitivity analysis
• Understanding of facility structuring, pricing, covenants, collateral, guarantees, and security perfection
• Sector, industry, market, and concentration risk assessment
• Risk rating, credit scoring, and early warning identification
• Preparation of credit papers, risk summaries, and credit committee submissions
• Analytical thinking, commercial judgement, and attention to detail
• Stakeholder engagement, negotiation support, report writing, and presentation skills
• Knowledge of credit policy, KYC, AML, compliance, and regulatory requirements

How to Apply

To apply, please visit: https://bsb.mcidirecthire.com/External/Application?Ref=7KjyrN86zGKGMRUV6QJP23Uhswn4QKIIaRe95FTegG8Q2N78qhxMcUvQAcXDfXvdcw2qPeeJjxZPDaDHnyK_gg REF Code: 7KjyrN86zGKGMRUV6QJP23Uhswn4QKIIaRe95FTegG8Q2N78qhxMcUvQAcXDfXvdcw2qPeeJjxZPDaDHnyK_gg Please state that you got the job advert through JobHub BW website when submitting your application.