Senior SME Credit Specialist: Drive Responsible Financing

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• Evaluate credit applications for SME/Commercial clients, including new, renewal, and enhancement requests.
• Perform financial analysis on audited accounts, management reports, and cash flow projections.
• Assess creditworthiness by analyzing business models, industry risks, repayment capacity, and collateral adequacy.
• Prepare credit proposals and Memorandum of Approval (MA) for submission to Credit Committee.
• Ensure compliance with internal credit policies, regulatory guidelines, and risk management frameworks.
• Engage with Relationship Managers to clarify business background and structure appropriate financing so...