Credit Approval Senior Specialist

Purpose

As a Credit Approval Senior Specialist, you will play a key role in the independent evaluation of complex Wholesale Banking credit requests for the Bank and Group Companies. You will contribute to sound credit decision-making by assessing credit risk, repayment capacity, collateral quality, and alignment with applicable policies, regulatory requirements, and the Bank’s risk appetite.

What you will be doing

• Evaluate complex Wholesale Banking credit requests submitted by domestic and international business areas, ensuring that proposals are assessed with independence, consistency, and sound credit judgment.
• Review credit applications throughout the full credit evaluation cycle ensuring that all required information, analysis, approvals, and supporting documentation are complete, accurate, and aligned with internal credit processes.
• Conduct in-depth credit analysis of existing and prospective borrowers, covering financial performance, business model resilience, sector dynamics, leverage profile, risk rating, risk mitigation mechanisms,  and overall transaction structure.
• Assess projected and historical cash flows to determine debt-servicing capacity, repayment ability, sensitivity to downside scenarios, and the sustainability of the proposed financing structure.
• Formulate independent credit opinions and recommendations for submission to the relevant Credit Committees, clearly articulating key risks, mitigants, approval rationale.
• Contribute to the continuous enhancement of credit decision-making standards, helping ensure that the Bank’s credit approval framework remains robust, efficient, risk-sensitive, and aligned with regulatory expectations and the Bank’s risk appetite.

What you need to have

• A bachelor’s degree in Economics, Banking, Finance, Business, Mathematics, Quantitative Studies, Risk Management, or a related field.
• A master’s degree in a related field.
• At least seven (7) years of experience in the banking or financial services industry, with a focus on corporate or wholesale portfolios.
• Strong credit analysis skills, including the ability to assess financial statements, cash flows, business models, collateral structures, and repayment capacity.
• Good understanding of credit risk principles, approval processes, regulatory expectations, and portfolio monitoring practices.
• Strong analytical thinking, sound judgment, attention to detail, and the ability to communicate credit recommendations clearly.
• Experience in client-facing, relationship management, restructuring, or credit approval roles.
• Familiarity with credit rating systems, collateral valuation approaches, or governance reporting requirements.