Senior Analyst

Job Summary

The individual will support the Corporate Banking credit teams in conducting comprehensive annual reviews of corporate borrowers. The role involves detailed financial statement analysis, credit risk assessment, industry research, monitoring portfolio performance, and evaluating ongoing borrower creditworthiness to support lending and risk management decisions.

Key Responsibilities

• Conduct annual credit reviews for corporate banking clients across various industries and borrower segments.
• Analyze historical and projected financial statements, including income statements, balance sheets, cash flow statements, and key credit metrics.
• Assess borrower performance, liquidity, leverage, cash flow generation, debt servicing capacity, and overall financial health.
• Perform detailed ratio analysis, trend analysis, and peer benchmarking to identify strengths, risks, and emerging credit concerns.
• Review compliance with financial covenants, reporting requirements, and credit policy guidelines.
• Evaluate business performance, management strategy, market position, industry dynamics, and macroeconomic factors impacting credit quality.
• Prepare comprehensive annual review credit memoranda, including borrower overview, risk assessment, financial analysis, covenant review, and recommendation of internal risk ratings.

Required Qualifications

• Master's degree in Finance, Accounting, Economics, Business Administration, or related field.
• Strong understanding of corporate banking, commercial lending, and credit risk principles.
• Experience analyzing financial statements and assessing borrower creditworthiness.
• Knowledge of credit metrics such as Debt/EBITDA, Fixed Charge Coverage Ratio (FCCR), Interest Coverage Ratio, leverage, liquidity, and cash flow measures.
• Familiarity with corporate credit documentation, covenant structures, and risk rating methodologies.
• Proficiency in Microsoft Excel, PowerPoint, and financial analysis tools.
• Strong analytical, written, and communication skills.
• Ability to manage multiple reviews and deliver within strict timelines.