Analyst - Credit Risk

Accountabilities

• Conduct due diligence/ credit analysis for a range of Corporate and Investment banking clients and transactions in India across Corporates, FIs, PSUs and Sovereign, and recommend credit exposures for approval
• Prepare high quality, comprehensive but concise credit notes suitable for presentation to senior risk management/ sanctioners
• Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.
• Identify emerging risks and negative developments and trends impacting the assigned sectors, clients and transactions in a timely manner, escalate potential issues and recommend corrective action plans to senior credit officers, in a timely manner.
• Ensuring data integrity and robust control environment during risk management process; updating all credit risk systems to ensure that credit limits, internal grades and other credit parameters are in line with approved parameters and ensuring the portfolio and credit processes are in compliance with applicable internal standards and external regulations
• Support senior credit officers in developing a Portfolio view of risk being run by the bank.

Role Expectations

• Graduate / Professional qualification like BE/CA/CFA/FRM preferably specialising in Finance
• Strong financial and business/ industry analysis skills, ability to read and interpret financial statements by way of cash flow, balance sheet and P&L
• IT competence including experience with MS Word, Excel & PowerPoint
• Willhave an impact on the work of related teams within the area.
• Partner with other functions and business areas.
• Takes responsibility for end results of a team’s operational processing and activities.
• Escalate breaches of policies / procedure appropriately.
• Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
• Advise and influence decision making within own area of expertise.
• Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
• Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
• Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Make evaluative judgements based on the analysis of factual information, paying attention to detail.
• Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
• Guide and persuade team members and communicate complex / sensitive information.
• Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.