Credit Analyst
1 week ago
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
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