SME Credit Analyst Team Leader

Supervise and review the analysis of SME credit applications, ensuring accurate evaluation of borrowers’ financial performance, repayment capacity, and business stability. Oversee the preparation of comprehensive credit memos, verifying the quality and completeness of financial, business, and risk assessments. Review and validate financial statement spreads (balance sheet, income statement, and cash flow) to ensure accuracy and consistency in ratio and trend analysis. Ensure all required documentation is thoroughly reviewed and complete before submission to the Risk Department for approval. Guide and support Relationship Managers and credit analysts in collecting missing information and finalizing cases efficiently. Review and approve client background checks, I-Score reports, and bank statements to confirm data accuracy and alignment with credit policies. Provide coaching and technical guidance to the credit team to enhance analytical standards and improve the quality of submitted cases. Requirements· Bachelor’s in Finance, Economics, or related field.· 5-7 years of experience in credit risk, ideally in SME banking.· Excellent analytical, reporting, and leadership skills.· Proficiency in Excel and risk modeling tools.