Job Description

Description

Job Summary:

Financial Analyst - Credit Risk

Candidates for the job should possess strong critical thinking skills and have a demonstrable ability to perform financial analysis of a corporate entity. The candidate must be proactive, team-oriented, possess good interpersonal communication skills, and should have a deep commitment and willingness to achieve success, both on a personal and a company-wide level.

Responsibilities

• Review counterparty information including financial statements to determine credit worthiness, effectively communicate risks, and develop a strong point of view of a company\'s financial strength.

• Complete thorough credit analyses and credit reviews for the purpose of determining credit limits and risk ratings for new and existing customers

• Analysis activities include:

Use the Koch Internal Models to complete credit reviews

Perform financial data spreading, complete ratio analysis to assess the level and trend of a company\'s financial strength

Perform basic research on counterparties\' business profile and competitive position

Develop an understanding of country risk and industry risk

Understand account profitability to complete a reward to risk analysis

• Prepare credit recommendations and write ups in consultation with and for review/approval by global business teams

• Request financials from customers with upcoming review dates

• Maintain counterparty credit data (ratings, limits, financials) in respective credit and ERP systems

• Prepare monthly credit exposure reporting and/or other metrics

Expectations

• Accurately spread customer financial statements into Koch\'s internal rating models and complete the objective and subjective analysis components of the rating models

• Identifies problem accounts and communicates in an appropriate manner

• Timely completion of credit reviews as per agreed timeframes with business

• Meet defined department goals and activity metrics in addition to assisting with weekly, monthly and ad-hoc departmental reporting

• Understand internal processes and procedures in order to enforce company credit policy and assure adherence to accepted company guidelines

• Understand the credit authorities and standards of the supported business

• Comfortable and confident to interact with customers to obtain additional credit information to support credit lines

• Ability to work on a team as well as be self-directed with independent decision-making capabilities

• Must be resourceful, results driven and able to multi-task and prioritize work with a sense of urgency

Critical Competencies

• Strong written and verbal communications skills, with the ability to effectively communicate with both internal and external customers

• Financial literacy in balance sheet, profit & loss and cash flow statements including notes to the accounts

• Thorough and organized

• Responsible and detail oriented

• Interpersonal skills and communication skills

• Accounting and MS Office proficiency

• Proficient in English

Education and Experience Required

Education

• Minimum: 4-year college degree

• Preferred: Accounting, Finance, Data Analytics degree

• 2-3+ years of experience working as credit analyst or financial analyst

Experience

• Experience in large multi-national organization; banking, investment bank or rating agency preferred

• Experience implementing or supporting data analytics for a business

• Experience with Tableau, PowerBI, Alteryx or other data analytics tools

Koch Business Solutions India