Analyst - Credit Analysis/Credit Rating/Credit

Analyst - Credit Analysis/Credit Rating/Credit

Responsibilities include, but not limited to:

- Evaluate financial performance of companies / borrower / guarantor / commercial real estate asset class based on a variety of factors including past and current performance, management projections and market changes over the time period.

- This would include review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity.

- Perform market research using various third party applications and compare performance of borrowing entity against market data to draw conclusion of overall performance.

- Determine appropriate risk rating, both qualitative and quantitative based on performance during the review time period and compare it against bank's credit guidelines.

- Document and synthesize findings based on above mentioned reviews into a credit report which would be for presented to lending officers and / or approval committees.

- Quality check of work performed by junior team members and provide appropriate feedback on the same.

- Training & mentoring junior colleagues along with reviewing, checking & overseeing and undertaking workload planning as well.

- Understand the feedback received from the onshore team members and disseminate the same to the team.

- MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics.

- At least 8 years of overall commercial credit experience across diversified asset class (includes corporate entities and real estate asset class)

- Good knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance).

- Well versed with Discounted Cash Flow, Comparable Company, and Precedent Transaction analysis. Working experience with Moody's Risk Analytics would be a plus.

- Experience in assessing credit worthiness of borrower based on various qualitative and quantitative factors

- Excellent communication skills, with special focus on business writing skills for credit reports.

- Ability to read, comprehend and synthesize data regarding borrower performance / market related information from multiple sources into one prescribed template.

- Advanced excel skills would be a plus