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Conducting comprehensive financial analysis of corporate clients based on IFRS financial statements
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Preparing detailed memos, conclusions, and recommendations for the Credit Committee of the Bank
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Structuring credit facilities (determining optimal financing structure, collateral, terms, and covenants etc.)
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Assessing credit risks of projects and developing risk mitigation measures
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Ensuring compliance of proposed financing terms with the legislation of the Republic of Kazakhstan and internal Bank policies
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Coordinating with relevant Bank departments (risk, legal, business units, including UAE) to confirm financing terms and conditions
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Participating in improving credit analysis methodologies and implementing automated assessment tools
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Preparing internal and external management and analytical reports, including stress testing of credit risk associated with corporate financing
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Higher education (finance, economics, or related field)
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Minimum 3–5 years of experience in credit analysis / underwriting
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Strong knowledge of IFRS and ability to apply standards in financial analysis
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Advanced skills in financial statement analysis and business performance evaluation
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Proven experience in preparing credit proposals for corporate clients
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In-depth understanding of credit structuring principles and experience with complex financing transactions
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Knowledge of banking and regulatory legislation of the Republic of Kazakhstan
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English at least Upper-Intermediate level (written and spoken, business level)
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Experience working with corporate clients