Financial Institutions (NBFI) Credit Analyst
Core
Conduct independent credit assessment, monitoring, and risk management for sovereign, bank, and non-bank financial institution exposures.
Role type
Credit Analyst (Financial Institutions)
Builds
Credit applications, annual reviews, credit memoranda, and internal risk ratings for financial sector counterparties.
Domain
Banking and Non-Bank Financial Institutions (NBFI) Credit Risk
Required skills
Financial statement analysis, credit risk assessment, regulatory compliance monitoring, risk metrics analysis, credit memoranda writing, portfolio surveillance, data extraction and manipulation, internal rating methodology application, stakeholder liaison, due diligence support
Preferred skills
Professional qualifications in accounting/finance/risk management, experience in large financial institutions or consulting
Technologies
Internal risk systems, financial spreading databases
Responsibilities
Conduct credit analysis on assigned financial sector counterparties; Review and assess annual reports, audited financial statements, and regulatory filings; Analyze key financial metrics including capital adequacy, asset quality, earnings, liquidity, and profitability; Prepare detailed credit applications, annual reviews, and credit memoranda for approval committees; Assist in determining internal credit ratings and risk grades; Monitor approved counterparties for emerging risks, adverse trends, and rating migrations; Monitor compliance with credit limits, covenants, and risk conditions; Support review and recommendation of exposure limits; Maintain accurate counterparty credit records and risk systems; Escalate significant credit concerns and limit breaches to management.
Seniority
Mid-level, hands-on IC
