Credit Risk Analyst - Investment Banking Firm

About the client:

- Company Name: A Leading Investment Banking Firm

- Industries: Banking / Financial Services / Broking

- Company Type: Forbes Global 2000

- Headquarter Location: Mumbai

- Nature of Offering: Service

- Founding Year: 2010

- No of Employees: 51-200

Company : Leading Investment Banking Firm.

Job Function : Credit Risk Analyst.

Job Location : Mumbai.

A quick summary of the role: As a Credit Risk Analyst , you will play a pivotal role in assessing and mitigating credit risks associated with various financial transactions and lending activities. Your analytical skills, attention to detail, and sound judgment will contribute to the overall risk management framework of the organization. You will collaborate with cross-functional teams and contribute to informed decision-making processes. This role offers a unique opportunity to gain exposure to a wide range of industries and financial products while contributing to the success of our risk management strategies.

Key Responsibilities:

- Credit Assessment: Analyze creditworthiness of clients, counterparties, and borrowers by evaluating financial statements, credit reports, industry trends, and other relevant information.

- Risk Mitigation: Develop strategies to mitigate credit risks through effective structuring of deals, collateral assessment, and risk pricing.

- Financial Modeling: Build and maintain complex financial models to assess potential credit losses, stress test scenarios, and evaluate the impact on the overall credit portfolio.

- Due Diligence: Conduct comprehensive due diligence on clients and counterparties, identifying potential risks and evaluating their impact on credit decisions.

- Collaboration: Work closely with relationship managers, underwriters, legal teams, and other stakeholders to ensure cohesive risk assessment and credit decision processes.

- Policy Adherence: Ensure adherence to the company's credit policies, regulatory guidelines, and industry best practices.

- Portfolio Analysis: Monitor the credit portfolio performance, identify emerging risks, and recommend necessary actions to maintain a healthy credit portfolio.

- Documentation: Prepare accurate and detailed credit memos, reports, and documentation to facilitate informed credit decisions and regulatory compliance.

- Market Research: Stay updated on industry trends, economic developments, and regulatory changes that may impact credit risk.

- Reporting: Generate periodic and ad-hoc reports for senior management, highlighting portfolio trends, risk exposure, and performance metrics.

Qualifications and Requirements:

1. Bachelor's degree in Finance, Economics, Business, or a related field; Master's degree or relevant certification (e.g., CFA, FRM) is a plus.

2. 5+ years of experience in credit risk analysis within an investment banking, financial services, or related environment.

3. Strong understanding of financial markets, lending practices, and credit risk evaluation methodologies.

4. Proficiency in financial modeling, data analysis, and risk assessment tools.

5. Excellent written and verbal communication skills for effective interaction with internal teams and external clients.

6. Attention to detail, critical thinking, and the ability to make well-informed decisions under pressure.

7. Knowledge of regulatory requirements and industry standards related to credit risk management.

8. Proficiency in using financial software, databases, and Microsoft Office Suite