Credit Analyst
4 days ago
Credit Risk Assessment & Underwriting
Assess the creditworthiness of HNWIs and UHNWIs based on their income sources, net worth, liquidity, and investment holdings.
- Evaluate collateral quality, including real estate, investment portfolios, and other assets, ensuring adequate security for loans.
- Calculate key risk metrics such as Loan-to-Value (LTV), Debt-to-Income (DTI), and leverage ratios.
- Prepare detailed credit memos for approval, highlighting risks, mitigants, and recommendations.
Risk Monitoring & Portfolio Management
Continuously monitor existing credit exposures to detect early warning signs of financial distress.
- Conduct stress testing and scenario analysis to evaluate the impact of market changes on client portfolios.
- Ensure compliance with internal credit policies, Basel regulations, and local regulatory requirements.
- Maintain and update risk reporting dashboards for senior management and regulatory bodies.
Collaboration & Stakeholder Engagement
Work closely with Private Banking relationship managers, investment advisors, and legal teams to structure credit solutions tailored to client needs.
- Assist in structuring complex credit facilities, including collateralized lending and real estate financing.
- Support internal and external audits by providing necessary risk documentation and reports.
Policy & Framework Development
- Contribute to the development and refinement of private banking credit policies.
- Recommend improvements to risk models and underwriting processes to enhance risk-adjusted returns.
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