Credit Analysis Role - BFSI

Credit analysis of Annual Reviews

Annual Reviews, preparing Credit Memos, Credit analysis for Corporates, Financial Spreading, Analysing Financial Statements and work on financial Ratios, MRA

Location: Bangalore or Hyderabad

Years of experience: 4-13yrs

Responsibilities :

- Manage team of 10-15 members in the commercial lending domain which includes processes around financial spreading, credit research, preparation of credit write-ups, collateral valuation, credit limit recommendation, and assessment of security position etc.

- Perform quality checks of the work completed by junior team members across all the processes

- Manage dual responsibilities; 50% as an Individual contributor and 50% manage delivery

- Facilitates communication to resolve problems and advance strategies.

- Connect with LOB partners on conference calls/understand updates etc.

- Lead or champion efforts to increase productivity and goal accomplishment.

- Act as a coach or mentor to facilitate learning from experience.

- Responsible for management reporting

Essential Qualifications/Experience :

- Overall 10-14 years of experience with Chartered accountants/MBA Finance (mandatory) and Bachelor's Degree (Commerce mandatory), equivalent.

Most recent experience must include min 4-6 years of direct team leading experience in the commercial lending domain which includes financial spreading and financial analysis teams

- Should have experience in spreading of Corporate's Financial Statements in client application

- Should have experience in assessing creditworthiness of the corporate borrowers based on qualitative and quantitative factors

- Strong knowledge on GAAP Accounting / International Financial Reporting Standards

- Sound knowledge of ratio analysis, cash flow, and trend analysis

- Strong knowledge on accounting and finance, Industry analysis, Internal and external risk factors of the borrower

- Understanding on Company's management and equity sponsors strengths & weaknesses.

- Sound understanding of Pro forma adjustments based on the projected financial information and spread accordingly in the tool

- Excellent report writing skills

- Excellent communication skills

- Strong analytical skills.

Desired Qualifications:

- Project management

- Operations Management

- Stakeholders/Client management

- Strong verbal & written communication skills

- Analytic skill

- Attention to detail

- Excellent data entry skills

- Ability to work quickly & accurately while maintaining acceptable standards of workmanship

- Ability to recognize and escalate to management for any process breaches

- Highly motivated with strong organizational

- Flexibility to work in different shifts

- Ability to succeed in a team environment

- Reporting

- Training/ Mentoring