Credit Analyst - New Economy Group/Startup

Job Purpose:

To evaluate, analyze, and underwrite credit proposals for the New Economy Group by conducting detailed financial, business, industry, and risk assessments. The role involves recommending credit decisions, ensuring compliance with internal credit policies, and maintaining a high-quality corporate lending portfolio.

Key Responsibilities:

- Conduct comprehensive credit appraisal of borrowers across sectors in the New Economy Group (Startups).

- Analyze financial statements, cash flows, burn rates, balance sheets, profitability, debt servicing and equity raising capabilities.

- Assess borrower risk through detailed evaluation of business models, industry outlook, management quality, and market position.

- Review detailed Credit Appraisal Notes (CANs) and prepare credit comments for approval authorities.

- Review financial modeling, ratio analysis, sensitivity analysis and cash flow analysis.

- Review covenant compliance, security structures, collateral coverage, and legal documentation requirements.

- Coordinate with Relationship Managers, Risk Teams, Legal, Compliance, and Operations for credit processing and approval.

- Monitor portfolio performance and identify early warning signals for stressed accounts.

- Ensure adherence to regulatory guidelines, internal credit policies, and risk management frameworks.

- Support periodic portfolio reviews, renewals, and rating assessments.