Credit Risk Analyst - Structured Debt/Corporate Finance Proposals - NBFC Startup

Credit Associate | High-Growth NBFC Startup

- Work for a trailblazing NBFC company that is founded by veteran Investment Bankers who have managed multi-billion dollar portfolios in companies like Morgan Stanley, Lehman Brothers, ABN Amro, Prudential etc!!

- Our client is a 5 yr old RBI registered Non Deposit Taking Non-Banking Financial Company i.e. NBFC-ND. It has become a significant player in the wholesale financing space with its lending portfolio of senior secured debt across sectors. It focuses on wholesale financing and lends senior secured loans across sectors on themes built around Core Economy and Growth oriented sectors as well as Mass Consumption and Recession proof sectors. The founder team comprises of investment banking veterans who have worked with tier 1 brands like Morgan Stanley, Lehman Brothers, Prudential, UBS, ABN Amro etc. The leadership team has experience of managing multi-billion dollar portfolios globally. It is now embarking on a diversification into the retail domain and launching an SME funding as well as unsecured lending division.

As a Credit Associate, you will be responsible for sourcing of credit proposals for structured debt/corporate finance.

The other key responsibilities include:

- Reviewing credit evaluation of lending proposals

- Performing Financial analysis - historical financials and projections, running sensitivity scenarios

- Handling credit risk analysis and industry and peer group analysis

- Preparing Stock performance analysis

- Coordinating reference checks with rating agencies / peer lenders

- Preparing term sheet, credit approval note, sanction letters, disbursement memos and any other internal documentation required for disbursement of loan

- Reviewing and finalizing legal documents for the loan transaction

- Handling the KYC process for the loan

- Managing collection and compliance of all pre disbursement conditions

- Tracking repayments and following up for recovery

- Portfolio management and tracking

- Maintaining a tracker for post disbursement conditions / conditions subsequent to the loan and ensuring / tracking compliance of these conditions

- Asset management including preparation of quarterly review memos for each loan

- Preparing approval memos for loans for any deviations or waivers during the tenor of the loan

- Processing loan closure formalities

- Preparing database of existing loan information to assist in supplying information to finance / treasury teams

Candidate Profile:

- CA/MBA from Tier 1 or 2 colleges preferred

- Demonstrable experience of 2-6 years in Banking/NBFC

- Prior experience of making investor reports

- Proven experience in Financial Analysis and strategy formulation

- Analytical bent of mind with strong judgmental attributes

- Ready to work in a challenging environment

- Exceptional communication and interpersonal skills, and stakeholder management

- Flexible for 6 day a week working structure