Credit Analyst

Credit Analyst - Private Banking

**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, 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.

**Skills**
- Proficiency in financial modeling, credit risk assessment tools, and loan structuring.
- Experience with risk management softwares.
- Familiarity with collateralized lending, structured credit, and investment-backed financing

Job ID 1100062204