Credit Analyst - Private Banking

Credit Risk Assessment & Underwriting

Assess the creditworthiness of HNWIs and UHNWIs based on their income sources, net worth, liquidity, and investment holdings. • Evaluate collateral quality, including real estate, investment portfolios, and other assets, ensuring adequate security for loans. • Calculate key risk metrics such as Loan-to-Value (LTV), Debt-to-Income (DTI), and leverage ratios. • Prepare detailed credit memos for approval, highlighting risks, mitigants, and recommendations.

Risk Monitoring & Portfolio Management

Continuously monitor existing credit exposures to detect early warning signs of financial distress. • Conduct stress testing and scenario analysis to evaluate the impact of market changes on client portfolios. • Ensure compliance with internal credit policies, Basel regulations, and local regulatory requirements. • Maintain and update risk reporting dashboards for senior management and regulatory bodies.

Collaboration & Stakeholder Engagement

Work closely with Private Banking relationship managers, investment advisors, and legal teams to structure credit solutions tailored to client needs. • Assist in structuring complex credit facilities, including collateralized lending, real estate financing. • Support internal and external audits by providing necessary risk documentation and reports.

Policy & Framework Development

• Contribute to the development and refinement of private banking credit policies. • Recommend improvements to risk models and underwriting processes to enhance risk-adjusted returns.

• Proficiency in financial modeling, credit risk assessment tools, and loan structuring.

• Experience with risk management softwares.

• Familiarity with collateralized lending, structured credit, and investment-backed financing