Credit Reviewer - Commercial & Corporate

About the position:

This position plays a pivotal role in safeguarding the quality of the credit portfolio while supporting responsible business growth. The Credit Reviewer conducts deep-dive credit analysis, combining financial with market insights to support sound credit decisions. The role requires urgency, strong analytical thinking, and cross-functional coordination. The successful candidate will also contribute to improving internal tools and frameworks to strengthen credit evaluation and monitoring processes.

Responsibilities: -

Conduct comprehensive financial analysis of commercial, corporate, and FI clients, including review of income statements, balance sheets, cash flows, and financial projections.

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Assess client financial health, focusing on liquidity, profitability, solvency, and debt-servicing capacity.

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Evaluate credit risk by identifying financial trends, sector-specific risks, and macroeconomic influences.

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Prepare well-structured Credit Evaluation Reports (CERs) with actionable recommendations on credit structure, limits, and risk appetite alignment.

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Monitor credit exposures and portfolio performance, updating assessments regularly to maintain credit discipline.

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Ensure compliance with internal credit policies, risk guidelines, and regulatory frameworks in all credit decisions.

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Conduct market and industry research to contextualize credit risks within evolving economic and competitive landscapes.

Requirements: -

Strong foundation in financial analysis, accounting, and credit risk assessment.

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Experience in reviewing credit proposals for commercial/corporate/FI borrowers.

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Proficiency in Excel and has the ability to evaluate forecasts and sensitivity scenarios.

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Familiarity with credit risk policy, credit processes, and regulatory requirements.

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Strong written and verbal communication skills; able to present clear, balanced credit opinions.

Bonus Point if: -

Have experience building or refining credit scoring and monitoring tools using both financial and non-financial parameters.

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Bring a forward-thinking mindset and can contribute ideas to improve credit review processes or risk frameworks.