Credit Reviewer - Commercial & Corporate

About the position:

This position plays a pivotal role in safeguarding the quality of the credit portfolio while supporting responsible business growth. The Credit Reviewer conducts deep-dive credit analysis, combining financial with market insights to support sound credit decisions. The role requires urgency, strong analytical thinking, and cross-functional coordination. The successful candidate will also contribute to improving internal tools and frameworks to strengthen credit evaluation and monitoring processes.

Responsibilities:

• Conduct comprehensive financial analysis of commercial, corporate, and FI clients, including review of income statements, balance sheets, cash flows, and financial projections.

• Assess client financial health, focusing on liquidity, profitability, solvency, and debt-servicing capacity.

• Evaluate credit risk by identifying financial trends, sector-specific risks, and macroeconomic influences.

• Prepare well-structured Credit Evaluation Reports (CERs) with actionable recommendations on credit structure, limits, and risk appetite alignment.

• Monitor credit exposures and portfolio performance, updating assessments regularly to maintain credit discipline.

• Ensure compliance with internal credit policies, risk guidelines, and regulatory frameworks in all credit decisions.

• Conduct market and industry research to contextualize credit risks within evolving economic and competitive landscapes.

Requirements:

• Strong foundation in financial analysis, accounting, and credit risk assessment.

• Experience in reviewing credit proposals for commercial/corporate/FI borrowers.

• Proficiency in Excel and has the ability to evaluate forecasts and sensitivity scenarios.

• Familiarity with credit risk policy, credit processes, and regulatory requirements.

• Strong written and verbal communication skills; able to present clear, balanced credit opinions.

 

Bonus Point if:

• Have experience building or refining credit scoring and monitoring tools using both financial and non-financial parameters.

• Bring a forward-thinking mindset and can contribute ideas to improve credit review processes or risk frameworks.