Assessing SME and corporate credit, taking security properly, and spotting the early warnings that let you act before a loan starts costing real money.
Losses are almost always visible early to somebody who is looking. Covering SME and corporate exposures, this works through financial analysis, taking security properly, and the early warning discipline that lets a credit team act while the options are still cheap.
The credit process, risk appetite, and the drivers of repayment.
Reading financial statements and analysing cash flow and gearing.
Matching facility type, tenor, and terms to the borrowing need.
Taking, valuing, and perfecting security over assets.
Monitoring exposures and identifying deteriorating credits early.
Watchlist management, restructuring, and recovery options.
Credit analysts, relationship managers, lending officers, and credit risk staff in commercial banking.
A credit, lending or banking role, and the ability to read financial statements.
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