About Company
ANZ Bank is a leading international banking and financial services group, operating in over 30 markets globally. While our primary focus has historically been in Australia, New Zealand, and Asia Pacific, we are expanding our global footprint to support clients with diverse financial needs and international aspirations. We are committed to fostering a culture of integrity, innovation, and customer-centricity, empowering our employees to make a meaningful impact. At ANZ, we believe in creating a supportive and dynamic work environment where talent thrives, and careers flourish. Join us to be part of a team dedicated to shaping a sustainable financial future and delivering exceptional service to our valued clients worldwide.
Job Description
We are seeking a highly motivated and analytical Credit Analyst to join our expanding team in Newtown, Aiea. This is an immediate start position for a professional eager to contribute to ANZ Bank’s robust risk management framework and support our growth initiatives. As a Credit Analyst, you will play a pivotal role in evaluating creditworthiness, assessing financial risks, and providing informed recommendations for lending decisions across a diverse portfolio of clients. You will be instrumental in conducting in-depth financial analysis, preparing comprehensive credit reports, and ensuring compliance with our stringent credit policies and regulatory guidelines. This role requires a keen eye for detail, strong analytical capabilities, and excellent communication skills to articulate complex financial information clearly and concisely. You will collaborate closely with relationship managers, risk officers, and senior management, offering critical insights that drive sound business decisions. The ideal candidate will possess a solid understanding of financial statements, credit risk methodologies, and a proactive approach to identifying and mitigating potential risks. This is an exciting opportunity for an individual looking to advance their career in financial services with a globally recognized institution, contributing to our commitment to responsible lending and sustainable growth. We foster a collaborative environment where continuous learning and professional development are encouraged, allowing you to build expertise and expand your skill set within a supportive team structure. Your contributions will directly impact our ability to serve our clients effectively and maintain our reputation for financial strength and reliability.
Key Responsibilities
- Conduct thorough financial analysis of client applications, including review of financial statements, cash flow projections, and collateral assessments.
- Prepare detailed credit proposals and risk assessments, highlighting key findings and recommending appropriate credit structures and terms.
- Perform due diligence on new and existing clients to assess creditworthiness and adherence to internal policies and regulatory requirements.
- Monitor portfolio performance and identify potential credit risks, escalating concerns to relevant stakeholders as necessary.
- Collaborate with Relationship Managers to understand client needs and structure tailored financial solutions while managing risk.
- Stay abreast of industry trends, economic conditions, and regulatory changes impacting credit risk.
- Ensure accuracy and integrity of data used in credit analysis and reporting.
- Contribute to the continuous improvement of credit processes and policies.
- Present findings and recommendations to credit committees and senior management.
Required Skills
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 2-3 years of experience in credit analysis, financial analysis, or a similar role within the banking or financial services industry.
- Strong understanding of financial statements, accounting principles, and financial modeling techniques.
- Proficiency in Microsoft Excel for data analysis and financial projections.
- Excellent analytical, problem-solving, and decision-making skills.
- Exceptional written and verbal communication skills.
- Ability to work independently and as part of a team in a fast-paced environment.
Preferred Qualifications
- Master’s degree or professional certifications (e.g., CFA, FRM).
- Experience with credit risk management software and financial databases.
- Knowledge of local and international banking regulations.
- Proven ability to manage multiple priorities and meet tight deadlines.
Perks & Benefits
- Competitive salary and performance-based bonuses.
- Comprehensive health, dental, and vision insurance.
- Generous paid time off and holiday schedule.
- 401(k) retirement plan with company match.
- Opportunities for professional development and career growth.
- Employee assistance program and wellness initiatives.
- A dynamic and inclusive work environment.
How to Apply
Interested candidates are encouraged to apply by clicking on the application link below. Please ensure your resume and cover letter clearly outline your relevant experience and qualifications for this role. We thank all applicants for their interest, however, only those selected for an interview will be contacted.