Senior Associate - Commercial Lending - Loans

Job Purpose:

We are looking for a dedicated and motivated individuals who have strong technical, analytical, and organizational skills for its Commercial Lending team.

Key Responsibilities:

- Spreading the financial statements in client customized templates

- Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of public and private companies

- Managing a portfolio of clients and handling rating assignments - Preparing credit reports (annual/quarterly) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc.)

- Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures - Build forecast excel models

- Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties

- Adhering to standard operating procedure & policies including compliance documentation

- Maintaining strong relationship with the client

- Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios, and other financial metrics

- Screening the credit agreements and analyzing the financial covenants applicable to the borrower

- Conduct detailed quality checks of client deliverables

- Responsible for delivering 100% quality, meeting strict deadlines and ability to work under pressure

Competencies / Required Background

- MBA (Finance) / CA (CPA equivalent) / CFA

- Experience of 3-9 years in credit report writing

- Strong understanding of credit principles, policies, and regulations