Lead/Manager - Credit Analysis - Financial Institutions Group/NBFC/Bank

Lead CIB Portfolio Manager evaluates banks and other financial institutions in different regions like Asia and the Indian sub-continent, Europe, Latin America and the Middle East based upon standard and documented underwriting criteria as per Corporate and Financial Institutions Group (FIG) Credit Policies. The end-product is a timely and thorough review of the financial institution, with appropriate internal risk ratings assigned to the counterparty and acceptable justification of those ratings.

Responsibilities

- Timely and accurate in the preparation of written analysis of banks and other financial institutions including Non-Bank Financial Institutions (NBFI) in assigned geographic markets. This includes extensive financial statement analysis of individual institutions and comparison to other peer institutions within the same country or sub industry.

- Accurate risk rating (including any changes from current ratings) must be assigned to the institution, with adequate justification contained within the analysis to support the assigned ratings.

- Application of monitoring tools to timely recognize potential problem loans in a specific market and/or counterparty.

- Maintain credit files for assigned accounts. May participate in planning for country exposure reviews by coordinating with line officers and outside resources to obtain supporting information and materials.

- May assist in internal and external exams by preparing the necessary credit folders for the exam. This will be done under direct supervision of the Portfolio Manager.

Desired Qualifications:

- The candidate for Lead CIB Portfolio Manager would be an MBA (Finance/ Banking), Cost and Management Accountant, Chartered Accountant/postgraduate in Economics /FRM / CFA.

- Have 8-10 years of experience in corporate credit underwriting/credit rating including of top-notch large corporates/4-5 years of credit rating /underwriting financial institutions, ideally should have worked in the credit department of wholesale banks or credit rating agencies

- Must have effective financial analysis research and note writing skills, with a strong command of English.

- Adept at advanced excel functionalities and working with voluminous data points in excel.

- The Lead CIB Portfolio Manager will take independent charge of many of the credit reviews assigned and will also mentor and train, perform QC of newcomers/junior colleagues in the role.