Job Description Role Purpose
n The Senior Credit Analyst is responsible for independent credit assessment and ongoing risk management of asset finance and leasing exposures across a diverse portfolio of customers in APAC. The role supports origination, portfolio management, and funding activities, with a strong emphasis on engagement with external funders to ensure transactions, portfolios, and structures meet both internal credit standards and funder requirements.
n Key Responsibilities
n Credit Risk Assessment & Structuring
n n Prepare clear, well-structured credit submissions for new and existing transactions
n Assess customer, guarantor, and group credit risk, including cross-border group structures
n Evaluate collateral and other risk mitigants, taking into account jurisdictional, legal, and enforceability considerations
n Provide sound risk recommendations, including credit grading, approval conditions, structure considerations, and monitoring requirements
n Review transaction structures to ensure alignment with internal credit standards and external funding requirements
n Assess multi-currency exposures, guarantees, and structural risks associated with regional and cross-border transactions
n n Portfolio Management & Monitoring
n n Manage and review a portfolio of asset finance and leasing exposures across APAC
n Conduct annual reviews and event-driven credit reassessments
n Identify emerging risks and early warning indicators, and recommend proactive mitigation strategies
n Monitor portfolio trends, sector developments, and customer performance to support timely risk management actions
n n Funder-Facing Responsibilities
n n Act as a key credit contact for external funding partners
n Support various funding structures, including:
n Sale of receivables




n Structured and secured funding arrangements
n Prepare funder-facing credit materials, including:
n Term sheets
n Credit summaries and portfolio reports
n Transaction-specific risk analyses
n Responses to funder due diligence, credit questions, and information requests
n Ensure alignment between internal credit approvals and funder credit criteria, covenants, and reporting obligations
n Support ongoing funder monitoring and reporting requirements as required
n n Regional & Cross-Border Expertise
n n Apply strong understanding of Asian market asset finance and credit markets, including:
n Local business practices
n Regulatory and legal environments
n Practical considerations relating to security, enforcement, and recoveries
n Support business expansion into new APAC countries through credit assessment and market understanding
n Contribute insight into local commercial practices, customer risk profiles, and structural considerations
n Experience in Australia, New Zealand, and Singapore is viewed favourably, but is not essential
n n Stakeholder Engagement & Credit Governance
n n Partner closely with Sales, Operations, Treasury, Legal, and other teams across the transaction lifecycle
n Engage with customers as required to clarify financial performance, business models, ownership structures, and transaction details
n Contribute to credit policy interpretation, enhancement, and governance initiatives
n Provide guidance and informal mentoring to junior credit analysts
n Support consistent and disciplined credit governance across multiple jurisdictions
n n Other Responsibilities
n n Support the onboarding, training and mentoring of new staff members.
n Contribute to team tasks, projects and ad hoc initiatives as required.
n Provide versatile support for broader team needs and other duties as required.
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📌 Senior Credit Analyst (Raigarh)
🏢 CHG-MERIDIAN
📍 Raigarh