Manager - FIS Rating - BFSI

Manager FIs Rating

Job Description :

Individual Contributor (IC)/Managerial : Individual Contributor

Role Outline/Job Summary :

- Perform written credit analysis and recommend credit ratings for approval

- Conduct sector and annual reviews at appropriate frequency

- Monitor performance of counterparties and conduct quarterly and annual reviews as required

- Monitor limits utilization and excesses for counterparties in the portfolio.

- Participating in ad-hoc projects, preparing credit updates for senior management and portfolio bankers

- Sound presentation skills as the analyst will be frequently involved in portfolio review presentation to senior credit officers

Job Description :

Business/Department Objectives :

- Key focus will be the assessment of individual client and industry risks and providing support to the NY, India and London GIRM/ FIRM teams, industry specialists and senior credit officers through best-in-class risk analysis

- To ensure a well-coordinated, quality credit process in conjunction with counterparts across the world

Core Responsibilities :

- Ability to recommend credit decisions to Senior credit officers in managing their portfolios and take decisions as credit offices

- Responsible for industry analyses and developing domain expertise for focus industry segments including the preparation of industry dashboards

- Establish and maintain consistent standards and processes in credit analysis through interaction with industry specialists and analysts globally

- Take responsibility for the analysis of complex credits

- Work on complex financial forecasts/models and provide financial updates for credit reviews

- Monitor stressed credits- monitoring obligors on monthly/quarterly basis, support on Stress Tests

- Monitor trading limits & exposures of obligors to ensure that credit risk levels are within the firm's risk tolerance

- Work on portfolio/reviews highlighting important risks/mitigents to Risk Seniors

Day-to-Day Responsibilities :

- Informal management of resources within the industry group and act as a back-up for Team Lead

- First point contact for all incoming Credit Requests liasioning with product management/relationship

- Participating in training programs conducted locally for the Analysts

- Deal with excesses, unmatched issues, etc. as a credit officer

- Preparation of Portfolio data for Audit and Senior Management

Financial/Budgetary : No

Key Deliverables :

- Preparing credit approval memos and tracking the industry trends independently

- Responsible for assigning risk ratings based upon obligor's financial strength, operating performance and market profile using qualitative and quantitative models

- Ensuring consistent dialogue is maintained with customer groups to make sure their requirements are met

- Solid product knowledge and understanding of credit structure

- Work independently and assist In-country Risk Senior Credit Officers in portfolio management

Qualifications :

Education :

- Graduate with 5-6 years of experience in related discipline or MBA/CA/CFA with 3-5 years of related experience