- Responsible for conducting credit evaluations on companies to ensure loan feasibility and repayment capability.
- Work in credit risk management teams to identify and evaluate credit risks, and provide recommendations on loan approvals or rejections.
- Play a key role in supporting the growth of productive credit portfolios and ensuring the quality of credit assets is maintained.
Main Responsibilities:
- Credit Analysis: Conduct comprehensive credit analysis on companies to assess creditworthiness, including analyzing financial statements, cash flows, financial ratios, and business risks. Generally, Credit Analysts should understand the assessment of the 5 Cs (character, capacity, capital, collateral, and condition).
- Risk Assessment: Evaluate credit risks associated with each company, including industry risk, market risk, and operational risk, to understand potential credit losses.
- Portfolio Monitoring: Regularly monitor the company's credit portfolio to identify potential credit risks and take necessary actions to mitigate risks.
- Credit Commitments: Analyze and determine the appropriate amount and terms of loans for each company based on credit analysis results.
- Report Preparation: Prepare credit analysis reports and credit recommendations for senior management and credit committees, including routine reports to regulators.
- Team Collaboration: Collaborate with sales teams, risk management, and other departments to ensure efficient and timely credit decision-making processes.
- Compliance and Regulation: Ensure that all credit analysis processes comply with company regulations and policies as well as applicable banking and financial compliance standards.
- Market Development: Identify new opportunities for business growth and portfolio development in relevant Company business sectors.
- Information Updates: Keep abreast of relevant industry developments and market trends to ensure continuous updates and improvements in credit analysis processes.
- Customer Relations: Build and maintain good relationships with companies to strengthen long-term business relationships.
