Credit Analyst - SME

• Conduct comprehensive credit analysis for SME customers, including financial statement analysis, cash flow assessment, repayment capacity evaluation, and risk identification
• Assess borrowers’ business models, industry risks, and management capabilities
• Prepare clear, concise, and well-structured credit proposals supported by sound credit judgment
• Recommend appropriate credit structures, limits, tenors, and covenants
• Demonstrate strong credit decision-making with clear and well-supported rationale behind recommendations
• Take ownership of assigned credit cases from initial analysis through approval and post-approval monitoring
• Proactively identify risks, early warning signals, and appropriate risk mitigation measures
• Balance business growth objectives with prudent risk discipline in credit decisions
• Work closely with Relationship Managers (RMs) to understand customer needs, business drivers, and transaction purposes
• Provide credit guidance and challenge assumptions when necessary to ensure sound risk outcomes
• Coordinate with internal stakeholders, including Credit, Risk, Operations, and Legal teams, to ensure smooth and effective credit execution
• Monitor portfolio quality and performance of assigned SME accounts
• Review covenant compliance and adherence to credit conditions
• Support portfolio reviews, stress cases, and ad-hoc credit analysis as required
• Contribute insights to enhance credit assessment processes, tools, and turnaround time
• Support data-driven analysis and the adoption of best practices in SME credit underwriting

Qualification :

• Bachelor’s degree or higher in Finance, Accounting, Economics, Business Administration, or related fields
• Minimum 3-5 years of experience in Credit Analyst, Credit Underwriting, Risk Analysis, or related roles
• Experience in SME lending is required
• Background combining RM + credit analysis is a strong advantage
• Experience in banking or financial institutions preferred
• Strong financial analysis and interpretation skills (P&L, Balance Sheet, Cash Flow)
• Solid understanding of SME business operations and credit risk principles