Crisil - Lead Analyst - SME Loan Review Segment

Job Description:

Job Title: SME Loan Review

Experience:

- 8+ years of experience in loan review of commercial credit (mandatory CRE, and C&I) with good understanding of risk policies and framework, credit lines, and counterparty credit risk.

Job Duties:

- Conduct independent, high quality, comprehensive reviews of borrowers across a diverse range of CRE and C&I Commercial loan portfolios to assess adequacy of credit quality, loan documentation, credit administration, collateral valuations, risk rating accuracy, and compliance with established policies.

- Analyse and interpret borrower specific information, including an independent assessment of repayment capacity, covenant adherence, legal documentation, and industry risk.

- Interpreting and applying regulatory feedback and requirements as well as bank policies and credit standards and evaluate adherence of reviewed credits to these policies, credit standards, risk limits, and regulatory guidance.

- Produce workpapers documenting review findings for internal presentation to bank management and external presentation to Line of Business partners and Regulatory review.

Qualification:

- CA/MBA Finance/Graduate in Finance (Accounting).

Skills Required:

- Strong knowledge of U.S. banking laws and regulations, specifically those which pertain to commercial credit, underwriting, and credit department management.

- Understanding of credit processes, such as loan origination and underwriting, credit policies, portfolio management, allowance for loan and lease losses, loan review and remediation.

- Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a plus.

- Demonstrated experience overseeing and performing loan reviews.

- Effective communication skills and the ability to interact with all levels of management with limited supervision.

- Working knowledge of project planning and project management methods and tools.

Mandatory Skills: Loan Review, CRE, C&I

Location: Mumbai/Pune/Bangalore/Gurgaon/Chennai

Educational Qualification - CA/MBA Finance