Senior Credit Analyst
- Sri Lanka
Job Summary
We are seeking a highly analytical and detail-oriented Senior Credit Analyst to lead comprehensive credit evaluations and support strategic funding decisions. The ideal candidate will possess strong expertise in financial analysis, credit risk assessment, and financial modeling, with the ability to translate complex data into actionable insights.
Key Responsibilities
- Conduct in-depth credit and financial analysis of clients, including financial statement reviews, ratio analysis, and cash flow assessments.
- Evaluate creditworthiness, identify potential risks, and validate client financial information to ensure accuracy and reliability.
- Prepare detailed credit reports and present findings to management to support informed decision-making.
- Support data validation and due diligence processes with lenders and creditors during funding cycles.
- Monitor and manage existing credit exposures, providing insights to optimize and strengthen credit profiles.
- Develop, enhance, and maintain credit scoring models, risk assessment frameworks, and internal credit policies.
- Collaborate closely with Funding Consultants, Funding Strategists, Treasury, and Finance teams to align credit analysis with broader capital and funding strategies.
- Maintain accurate documentation, credit files, and periodic portfolio performance reports.
- Contribute to process improvements to enhance efficiency, accuracy, and compliance within credit operations.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Professional qualifications such as ACCA, CIMA, or equivalent are preferred.
- CFA qualification or active candidacy is a strong advantage.
- Minimum 3–6 years of experience in credit analysis, financial analysis, or risk management.
- Strong expertise in financial modeling, data analysis, and credit risk evaluation.
- Experience working with lenders, funding processes, or treasury operations is an advantage.
- Advanced proficiency in Microsoft Office (especially Excel and PowerPoint); familiarity with tools such as Miro is a plus.
- Excellent written and verbal communication skills, with the ability to present complex financial information clearly.
- Strong attention to detail, organizational skills, and the ability to manage multiple priorities in a fast-paced environment.
- Ability to work independently and collaboratively in a remote or cross-functional setting.