ខ្មែរ
Senior Credit Analyst
Full Time Phnom Penh Posted 1 month ago
Corporate Banking
Role Purpose Statement:
Corporate Banking provides financing solutions and financial services that support businesses ranging from large corporates to mid-market enterprises in a variety of industry sectors in Cambodia at WING Bank. Leveraging the strength, scope and expertise of our corporate banking teams, WING Bank Corporate Banking targets to position itself as an essential partner to large and mid-market corporate in Cambodia seeking to maximize the clients business potentials domestically and globally, offering streamlined accesses to WING Bank’s market leading banking products and services.
Job Descriptions
- Work in conjunction with Corporate Banking and Commercial Banking to structure and propose proper credit facilities for each client with support of RMs and facilitate approval process. It would involve analyzing credit proposals by looking at client financial risk profile, repayment capability, security adequacy and industry position.
- Ensure all recommendations of credit proposals to relevant Credit Committees for approval are in compliance with credit policies, desired Bank standards and within agreed deadlines. Analyse and interpret financial statements.
- Ensure compliance with Credit Policy and operating procedures.
- Conduct in-depth industry study and analysis and recommend the appropriate financial products and services. Conduct research on country/client sectors as and when required.
- Liaise with Credit Risk team and Credit Administration for smooth credit processing, documentation, disbursement and post disbursement monitoring.
- Develop in-depth understanding and assessment of borrower’s business needs, evaluate and identify risk and mitigations in order to identify lending opportunities, appropriate loan structure and recommend financial solutions to borrowers.
- Monitor borrowers’ businesses, financial performance and market/industry developments to detect early warning signals or signification changes.
- Conduct annual review in a timely manner and ensure full compliance of approval terms and covenants.
- Conduct analysis to evaluate the general condition of the operation, its profitability, and its assets quality.
- Assess the quality and composition of the loan portfolio (loan size, risk involved, industries, geographical distribution and length).
- Help spot new opportunities and equip origination.
- To track and report of loan portfolio to management.
Job Requirements
- Degree in Banking, Economics, Business Administration, Accounting / Finance or related discipline.
- Minimum 5 years of proven track record in corporate & commercial banking and other related fields.
- Good understanding of the financial industry, market dynamics, and regulatory environment in Cambodia.
- Exceptional communication, negotiation, and relationship-building abilities.
- Strong analytical mindset with the ability to make data-driven decisions.
- Broad knowledge of risk management techniques and functions.
- Experience in credit underwriting experience within the banking or financial services industry with a proven track record of managing corporate & commercial SME portfolios.
- Good understanding of credit risk assessment methodologies, financial analysis and regulatory compliance requirements.
- Good understanding of financial crime compliance requirements, including AML, CTF, and sanctions regulations, preferably within a first-line risk function.
- Excellent communication, negotiation, and relationship-building skills.
- Demonstrable ability to think strategically, solve complex problems, and drive results in a fast-paced environment.
- Professional qualifications such as London Institute of Banking and Finance (LIBF) or Chartered Banker are desirable but not essential.
- Excited by the opportunity to work in a start-up Corporate Banking Division with a real purpose and passion.
