Credit Review - Senior Consultant

Job Purpose

Credit Assessment

• Conduct comprehensive credit risk assessments across corporate and commercial banking customers.
• Identify high-risk customers using early warning signals and key credit risk indicators.
• Assess creditworthiness, repayment capacity, and potential risk triggers.
• Prepare detailed customer background reports, including business model, sector exposure, ownership structure, and historical performance.
• Identify operational or financial weaknesses that may elevate credit risk.

Financial Statement & Cash Flow Analysis

• Analyze audited financial statements to evaluate liquidity, solvency, leverage, and profitability.
• Perform cash flow analysis to determine the borrower’s ability to meet debt obligations.
• Build financial modeling
• Detect inconsistencies or red flags in financial reporting that may mask risk.

Qualifications and Experience

• Bachelor’s degree in finance, Accounting, Economics, or a related field.
• Preferrable certification such as CFA, CA, ACCA, CPA, or MBA in Finance preferred.
• 4–7 years of experience in credit risk assessment, corporate banking, or financial risk advisory.
• Strong understanding of credit underwriting, financial due diligence, and valuation.

Skills and Competencies

• Strong analytical and credit assessment skills.
• Proficient in financial statement analysis and
• cash flow modeling.
• Familiarity with industry-specific credit risk drivers and scenarios.
• Advanced Excel skills; knowledge of Power BI or financial modeling tools is an advantage.
• Excellent written and verbal communication skills
• Ability to work independently and collaborate within cross-functional or client-facing teams.