Credit Analyst

Credit assessment and monitoring

Assess creditworthiness through thorough, in-depth credit assessment of new and existing borrowing customers. Review financial statements, perform financial spreading, projections, modeling and analysis, and examine deals by identifying deal background, purpose and comparison. Review sources and uses of funds, deal economics, property repayment capability, and conduct ratio, trend and cash flow analyses. Conduct annual and/or ad hoc monitoring, as required by extraordinary developments, including changes in conditions, requests and facility renewals, in coordination with Business Promotion Officers.

Corporate information and covenant monitoring

Process and update corporate information in GBR, including business operations, market data, industry information, ownership and group structure, and competitive position. Prepare and monitor undertakings and compliance with relevant covenants of corporate customers with existing term loan facilities, in coordination with Business Promotion Officers. Attend periodic investor and analyst briefings arranged by publicly listed corporate clients.

Credit documentation and transaction support

Coordinate with Business Promotion Officers in collecting and gathering relevant and timely corporate information. Anticipate, identify and obtain documents needed for efficient and timely credit approvals. Assist in preparing and executing required documentation for approved credit facilities.

Document safekeeping and turnover

Ensure the proper and orderly safekeeping and turnover of all important documents, in hard and soft copy, including corporate disclosures, financial statements, covenant compliance certificates, letters, notices from facility agents, internal memoranda and approval forms.

Credit systems, policy compliance and additional duties

Maintain good working knowledge of the bank’s credit monitoring systems, including GBR and CIF, and provide technical advice and assistance to Business Promotion Officers. Ensure strict adherence to the bank’s lending policies and procedures and applicable external local banking regulations. Perform other ad hoc duties designated by Management and Department Head