LMA STG_Client - Credit

Position Overview

We are seeking a highly analytical and detail-oriented Credit Analyst to join our corporate banking team. The successful candidate will be responsible for evaluating the creditworthiness of corporate clients, analyzing financial data, and preparing risk assessments to support lending decisions. This role is critical in ensuring sound credit practices and maintaining the bank’s portfolio quality.

Key Responsibilities

• Conduct thorough financial analysis of corporate clients, including balance sheets, income statements, and cash flow projections.
• Assess credit risk by evaluating industry trends, market conditions, and client-specific factors.
• Prepare detailed credit reports and recommendations for approval or decline of loan applications.
• Monitor existing client portfolios to identify early warning signals of potential credit issues.
• Collaborate with relationship managers and senior bankers to structure credit facilities that meet client needs while minimizing risk.
• Ensure compliance with internal credit policies, regulatory requirements, and risk management standards.
• Participate in periodic portfolio reviews and contribute to strategic risk management initiatives.

Required Skills

1. Financial Analysis: Strong ability to interpret financial statements and assess corporate performance.
2. Risk Assessment: Skilled in identifying, quantifying, and mitigating credit risks.
3. Analytical Thinking: Ability to synthesize complex data into clear, actionable insights.
4. Attention to Detail: Precision in reviewing financial documents and preparing reports.
5. Communication Skills: Excellent written and verbal communication for presenting findings to stakeholders.
6. Technical Proficiency: Familiarity with financial modeling, Microsoft Excel, and banking systems.
7. Regulatory Knowledge: Understanding of corporate banking regulations, compliance standards, and credit policies.
8. Problem-Solving: Ability to propose solutions for structuring loans and managing risk.
9. Collaboration: Strong interpersonal skills to work effectively with cross-functional teams.
10. Time Management: Ability to prioritize tasks and meet deadlines in a fast-paced environment.

Qualifications

• Bachelor’s degree in Finance, Economics, Accounting, or related field (Master’s degree or CFA designation is a plus).
• Prior experience in credit analysis, corporate banking, or financial services.
• Knowledge of industry sectors and market dynamics affecting corporate clients.
• Strong quantitative and qualitative analytical skills.

Employment Type

• Full-time
• Hybrid/On-site depending on business requirements

Benefits

• Opportunity to work with leading corporate clients and diverse industries.
• Professional development and training programs.
• Competitive compensation and benefits package.
• Career growth opportunities within corporate banking and risk management.