Constant reorganisation exercises and job realignments, this department was previously known as Corporate Banking. In 2023, the first reorganisation happened and officers are now middle office, handling loan related products. In 2025, we are now merged with Coverage and rebranded as Credit Analysts where we oversee the credit underwriting process from origination to disbursement (for complex deals, we have a separate team of structurers to finalise the terms with the client). The new environment is totally not nurturing for new joiners as seniors are now more stressed and have lesser time to provide guidance to juniors, juniors get thrown in the deep end. Manual processes and the loan management system itself is quite problematic. Many times, the credit analysts have to override the system during urgent credit submissions. At the same time, management and risk is making things harder as there are 101 things to seek approval for before proceeding. Honestly, the remuneration (ie bonus payout) is not as great as the market says.
