Credit Analyst

Job Description / Responsibilities:

• Visiting customer with RM.
• Analyzing and verifying customers' credit information, financial statements, and structure deal to mitigate risk and ensure good deal for the bank.
• Evaluating customers' financial needs, appropriate financial products and services.
• Preparing credit application, and annual review.
• Proactively support and coordinate with RM in explaining and defending cases with Credit Underwriting and Credit Committee.
• Proactively support RM in sale and service planning and relationship.
• Conduct and monitor credit rating for both new credit and annual review in time; including ad-hoc review when there are significant changes or impact on customer.
• Monitoring audit issues.
• Monitor the quality of customer when there are any significant changes or impact on customer and raise risk related issues which may impact the ability to pay of customers, and action plan deliver to RM and Credit Committee to avoid problems, SM and NPL accounts.
• Monitor customers' businesses, financial performances and other factors such as economic and industry situation which impact to ability to pay of customer and detect early warning signals or significant changes to prevent NPL.

Qualifications

• Bachelor's / master's degree in economics, Banking and Finance or related fields.
• At least 3 years of experience in Credit Analyst or related field.
• Strong communication and interpersonal skills