Credit Analyst – Contracting

Role Overview :

The Credit Analyst – Contracting will be responsible for preparing and assessing credit proposals, monitoring client accounts, and identifying risks specifically associated with the contracting industry. This includes construction companies, infrastructure contractors, EPC firms, and related entities.

Detailed Roles and Responsibilities

Perform tasks as assigned by the reporting authority, ensuring compliance with regulatory guidelines and internal policies / procedures.

Prepare comprehensive credit proposals related to contracting clients with financial interpretations, identify risk factors, and recommend credit enhancements in line with policy and regulatory frameworks.

Ensure internal credit ratings and RAROC are calculated for all lending clients in the contracting portfolio, with timely updates for new facility approvals or when new information becomes available.

Review credit documentation to confirm completeness; identify deficiencies and coordinate with relevant teams for timely resolution.

Liaise with internal teams to resolve information gaps and ensure timely completion of credit applications within defined turnaround times.

Contribute to the development and enhancement of credit procedures by recommending improvements and identifying capacity-building opportunities.

Ensure submission and verification of all required documents for credit processing, including commercial registrations and other mandated records.

Respond promptly to queries from internal and external customers and the Compliance function, escalating when necessary and within prescribed authority.

Coordinate with the Risk Management team on matters related to new or renewed limits, limit inputs, and other credit-related processes.

Maintain organized and timely filing of all documents, including credit applications, approvals, security documents, SWIFT transfers, deposits, and related correspondences.

Conduct regular monitoring and review of contracting customer accounts in accordance with approved limits, credit policies, and regulatory requirements.

Monitor contracting client activities considering market conditions, account conduct, and other risk factors, and ensure appropriate account classification to protect the institution’s interests.

Requirements

Candidates must demonstrate experience in :

• Analyzing financials and creditworthiness of clients engaged in infrastructure, civil, and industrial construction.
• Preparing and reviewing credit applications related to project-based lending, working capital facilities, and performance / bid bonds.
• Understanding sector-specific risks such as payment delays, project execution timelines, cost overruns, and dependency on government contracts.
• Structuring facilities in line with client cash flows and project progress cycles.
• Monitoring exposure limits, project statuses, and contract payment schedules.