Credit Analyst

Role: Credit Analysis

Roles and Responsibilities:

Strategic Decision-Making:

- Establish and implement credit assessment policies, frameworks, and guidelines.

- Advise management on risk-related issues and funding decisions.

Relationship Management:

- Build and maintain relationships with funders, corporates, and stakeholders.

- Act as a bridge between corporates and funders for better understanding of credit profiles.

Credit Analysis:

Financial Statement Analysis:

- Review and analyze financial statements, balance sheets, profit & loss accounts, and cash flow statements to assess the financial health of corporates.

Risk Assessment:

- Evaluate creditworthiness based on key metrics such as leverage, liquidity, profitability, and solvency.

- Identify and quantify risks associated with transactions.

Sectoral Insights:

- Study industry trends, market conditions, and sectoral risks affecting the corporates under review.

Covenant Structuring:

- Develop appropriate financial covenants and monitoring mechanisms to mitigate credit risk.

Funding Presentation:

- Credit Memorandum Preparation

- Draft comprehensive credit appraisal notes and proposals for funders.

- Highlight key strengths, risks, mitigants, and transaction structures.

Stakeholder Communication:

- Clearly present and explain credit cases to funders, addressing their concerns.

Compliance and Monitoring:

- Regulatory Adherence:

- Ensure that credit analysis complies with local regulations and funding institution policies.

Ongoing Monitoring:

- Oversee periodic reviews of credit facilities, monitoring performance, covenant compliance, and early warning signs.

- This role requires a combination of technical financial skills, risk management acumen, and the ability to articulate business cases effectively to stakeholders.