The incoming candidate will be a part of one of the Bank s Credit lending teams and will be expected to have robust understanding of financial statements including important lending and credit risk metrices Job Responsibilities Credit-worthiness analysis of borrowers including financial analysis industry and sector research to ensure Bank s lending remains within acceptable Risk metrics Drafting detailed credit reports with key takeaways on the purpose report has to be concise easy to read for credit risk to review and comment Identifying setting and monitoring deal specific covenants which can act as early warning signals during the life of the loan Developing and maintaining detailed financial model in Excel comprising transaction details financial statement analysis projections ratio variance analysis key performance indicators credit metrics amongst others Conducting sensitivity analysis - for stress testing on loans for serviceability Regular interaction with key stakeholders and clients to discuss for eg borrower requirements and performance data gaps inconsistencies analytical frameworks loan servicing etc Desired qualities and skills Strong financial analysis skills - thorough understanding of accounting financial concepts including financial statements variance analysis and assessment of key credit risk metrices and covenants Ability to draft credit reports Strong communication skills oral and written in English Proficient in use of Excel handling linked worksheets able to handle complex models Personal drive proactive flexible creative thinks out of the box result driven responsible curious team player fast learner and willing to take ownership of tasks and deliverables Hands on attitude willing capable to understand the big picture Ability to succeed in a culture where change and speed are part of daily work