Credit Origination Analyst-SME Banking

Job Detail

Role Purpose:

Champion of the BORROW Pillar for the Bank & have Overall responsibility for Portfolio Growth, Income Generation, and Portfolio Quality within Business Banking.
Primarily responsible for proper structuring of Borrower needs/solutions that manage inherent risks associated with the portfolio and ensuring a high-quality portfolio.
Closely work with the relevant stakeholders from Origination, Utilization to Monitoring, playing a vital role in deal structuring to add value from Business, Credit & Bank Policy perspectives.
Participate and contribute to cross-selling the Bank’s products across other Pillars – MOVE, SAVE & INVEST and INSURE.

Key Responsibilities / Deliverables:

Accompany Relationship Managers & Product Specialists, as applicable, in Client visits to originate identified borrowing needs with a view to seamlessly manage the onboarding process.
Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
Work with relevant stakeholders in structuring credit solutions for the clients and ensuring the appropriateness of the products.
Prepare and secure approval for Term Sheets, wherever required
Work with relevant stakeholders in:
- Obtaining all deal pre-clearances i.e. KYC, AML/CT Screening, ESG Review, CRB Check, etc.
- Deal Structuring and other relations

Qualifications

Qualification / Certifications:

Bachelor’s degree from a recognized institution
Master’s Degree and Certification in Credit Related Course is an added advantage

Experience:

A minimum of 5 years’ relevant experience
Good track record of credit analysis and financial understanding.
In-depth knowledge of the local banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general commercial regulations and practices.