Corporate Credit Analyst

Who we are:
Do you want to join a well-established bank with a start-up culture? No, we’re not joking!

We, at tbi, have been one the most profitable banks for years and we are growing at a fast pace. We’re a bank with a long history of success that operates as a start-up and we’re always on the lookout for new opportunities to grow our business. How do we do that?

It's all about our people. Our team is made up of brave, passionate and caring people who don’t just want to follow the same path – we want to transform into mobile-first, state-of-the-art lifestyle ecosystem. Our colleagues love working here – 80% of them would recommend tbi as an employer to their friends and family. Our people are engaged in challenging and meaningful work, inspired to grow their potential and career, encouraged to learn and empowered to take decisions. That’s not corporate babble, it’s what our people say.

What You’ll do:

·       Analyze company financial statements, including input of the  balance sheets, income statements accounts, cash flow statements, and management accounts.

·       Assess the creditworthiness of corporate clients by evaluating financial performance, business models, industry risks, and market conditions.

·       Perform ratio analysis, trend analysis, and cash flow forecasting.

·       Review loan applications and supporting documentation submitted by business customers.

·       Prepare detailed credit risk  assessment reports and detailed credit proposal with  recommendations for approval, renewal, amendment, or rejection of credit facilities.

·       Monitor existing credit portfolios and identify early warning signs of financial deterioration.

·       Support relationship managers and business development teams in structuring financing solutions.

·       Ensure compliance with internal credit policies, risk appetite frameworks, and regulatory requirements.

·       Participate in the meetings precursory to the credit committee  and present credit recommendations when required.

·       Maintain accurate customer credit files and documentation