Senior Credit Analyst - Corporate Lending

About the role

The Senior Credit Analyst reports to the Senior Relationship Manager and manages a portfolio of business clients within the Bank's Corporate/Commercial lending segment. The role develops each relationship while maximising portfolio and bank profitability.

Key responsibilities

• Process complex lending applications, ALOCs and annual reviews accurately and efficiently.
• Analyse financial statements and prepare financial information in Moody's Financial Analysis Program to support credit decisions.
• Submit ALOCs, Moody's reports, risk grades and financial statements through Nautilus to Credit, ensuring data integrity.
• Process temporary overdraft requests and credit modifications in line with lending policies.
• Liaise with professional valuers and the Lands Department for property valuations, title searches and company searches.
• Handle new and increased lending applications, including registration and documentation, with Lending Support.
• Maintain communication with clients and their lawyers during loan documentation, approval and settlement.
• Ensure loan drawdown requirements and conditions are met, with correct fees, interest rates and repayment schedules.
• Support the on-the-job development of Lending Assistants and manage portfolio clients in the Relationship Manager's absence.
• Present lending and client matters to the Credit Committee, EXCO and relevant business units when required.

Required profile

• Tertiary qualification, preferably in Accounting, Business Studies or a related discipline.
• Minimum 8 years' experience in lending, credit or a similar banking environment.
• Demonstrated sales, relationship management and people management capabilities.
• Good understanding of economic conditions and their impact on the banking sector.

Required skills

• Strong numerical, financial analysis and credit assessment skills.
• Advanced knowledge of lending processes, risk management and banking products.
• Sound knowledge of prudential requirements and the PNG banking environment.
• Excellent written and verbal communication and presentation skills.
• Advanced proficiency in Microsoft applications, including Visio, Word, Excel and PowerPoint.