Credit Strategist

1 day ago

Karachi, Sindh, Pakistan beBee Careers Full time
Job Summary
The role of a Credit Analyst involves working with the team to partner with key stakeholder communities, supporting them in developing and executing client strategies. The focus is on credit analysis-relevant matters, including discussion of industry dynamics, management strength, funding strategy, financial policy, and pertinent risk aspects.

Key Responsibilities:
  • Discussion of the Client's industry dynamics and nature of the Client's business;
  • Assessment of management strength, experience, and track record, as well as corporate governance;
  • Articulation of the Client's strategy and an assessment of its clarity and associated execution risks;
  • Evaluation of funding strategy, financial policy, treasury activity (hedging, cash management), and liquidity;
  • Analysis of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness, fraud risk, climate risk, and environmental risk;
  • Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals;
  • Complete ESRA Checklist;
  • Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable;
  • Partnering Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion, and ensuring they are always fully briefed on key risk aspects.