Job Description

Job Responsibility:

• The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions to facilitate informed credit decisions.
• Develop a in-depth understanding of the groups under his/her responsibility and develop market intelligence by investigating all available sources of credit and financial information.
• Monitor permanently the portfolio under his/her responsibility to detect any credit issue requiring a specific review.
• Conduct Annual and interim reviews. Produce in due time and present in Credit Committee a factual summary of client?s credit worthiness (credit proposal), compliant with the Bank?s guidelines. The credit proposal includes a recommendation on the ratings, the limits, the legal credit terms and the risk strategy vis-a-vis the client.
• Develop a good knowledge of the banking environment: capital market products, legal documentations, accounting and regulatory environments.
• Perform portfolio reviews when required. Keep abreast of the changing methodologies and credit policies

Interacts in full transparency with the Binome (SCO & FIC Relationship Manager).

• Attend, when necessary, discussions forum under the leadership of the Binome.
• Prepare credit proposal in the light of FIC commercial strategy, coverage memo, and of any material information (transaction or risks) provided by the RM Pilot or the Binome.
• Contribute, together with the Binome, to the identification of the credit points that need to be discussed with the client (during Due Diligence for example).

Guarantee

• Guarantee rigorous and synthetic credit risk analysis and recommendation (Annual review, ad hoc, credit notes, comparative analysis)
• Guarantee the application of Bank?s procedures and policies and the consistency of Bank?s ratings

Contribute

• Contribute to the formalisation of the credit decisions in the credit workflow tool
• Contribute to the risk strategy definition by providing recommendation on the risk profile of the counterparty and on specific transactions in relationship with the appropriate stakeholders
• Contribute to the Bank?s reactivity vis-\xef\xbf\xbd-vis clients? expectations by prioritizing urgent requests under his/her responsibility with his/her manager
• Contribute to the quality of process : use adequately the credit process? flow and workflow system, maintain critical client data, interact efficiently ahead of credit committee with the various stakeholders of the credit process
• Contribute to the development of policies, reports and risk tools, and to the Credit Process optimization

Interactions with Business Lines (uncovered clients)

• Discuss the requests of Credit limits with the Business Lines
• Provide credit analysis and recommendation in the frame of AR or ad hoc Credit Committee on clients followed by Business Lines
• Work with Business Lines to mitigate risk related to the counterparties
• Ask for Due diligence ?s meeting or credit review

Skills Required

Credit Risk Analysis;Financial Institutions;Credit worthiness;Credit Analyst;Credit Appraisal;Credit Risk;Investment Banking;ratings


Location

Mumbai


Years Of Experience

2 to 7 Years