Senior Credit Analyst
Core
Provide independent credit assessment for Corporate and Structured Finance transactions across APAC, analyzing counterparties, financial performance, and repayment capacity to support sound credit decisions.
Role type
Senior IC credit analyst (Corporate & Structured Finance)
Builds
Credit memoranda, risk assessments, and independent recommendations for new transactions, refinancings, and amendments.
Domain
Banking / Corporate & Structured Finance / APAC Markets
Required skills
Credit underwriting, financial statement analysis, cash flow analysis, repayment capacity assessment, financial modeling, scenario analysis, sensitivity analysis, industry risk assessment, covenant analysis, security package evaluation, cross-border lending knowledge, banking regulation knowledge, credit policy knowledge, risk governance knowledge, Microsoft Excel proficiency, Microsoft Word proficiency
Preferred skills
CFA, FRM, postgraduate studies in Finance/Accounting/Structured Finance, APAC market expertise, Italian language proficiency
Technologies
Microsoft Excel, Microsoft Word
Responsibilities
Review Corporate and Structured Finance proposals across APAC, including new transactions, refinancings, amendments and waivers; Assess counterparties, financial performance, cash flows, financing structures, repayment sources, covenants and security packages; Evaluate business profiles, sponsors, ownership, contractual frameworks, industry and regulatory risks; Review financial models, business plans and sensitivities, challenge assumptions and benchmark credit metrics; Prepare credit memoranda highlighting strengths, key risks, mitigants and independent recommendations; Verify proposal completeness, internal ratings, risk indicators, group exposure, country risk availability and approval authorities; Liaise with APAC Business Units and Head Office Underwriting Units to support the credit decision process and recommend risk mitigants; Support annual reviews and monitor exposures, identifying deterioration risks and tracking corrective actions