SME Credit Analyst

Analyze SME credit applications and evaluate borrowers’ financial performance, repayment capacity, and business stability. Prepare comprehensive credit memos summarizing financial, business, and risk assessments for each applicant. Spread financial statements (balance sheet, income statement, and cash flow) accurately into the credit system or model to assess ratios and trends. Ensure all required documentation is complete before submission to the Risk Department for approval. Coordinate with Relationship Managers to collect missing information or clarifications needed for case finalization. Review client background checks, I-Score reports, and bank statements to validate data consistency. Requirements· Bachelor’s in Finance, Economics, or related field.· 2-4 years of experience in credit risk, ideally in SME.· Excellent analytical, reporting, and communication skills.· Proficiency in Excel and risk modeling tools.