Credit Analyst

Job Title: Credit Analyst

Location: Chennai, India

Perm/Contract/ Full-time/Part-time: Permanent

On-site/Hybrid/Remote: On-site

Who We Are

Robert Walters is the worlds most trusted talent solutions business. Across the globe, we deliver recruitment, outsourcing, and talent advisory services for businesses of all sizes, opening doors for people with diverse skills, ambitions, and backgrounds.

Our Outsourcing service delivers recruitment for some of the worlds top employers, and we are currently recruiting on behalf of one our client which is the Fifth largest global bank globally by assets, with 2400 locations in over 50 markets. Our client has approximately 360 years of history. Its global network has over 180,000 employees. It was ranked as the fourth largest in the world.

The Role

Our client is seeking a Credit Analyst in the Banking division.

This role offers an exciting opportunity to join a global team, providing top-tier service to existing and prospective clients while expanding the business on a product and global level.

Purpose of Role:

Responsible for preparing credit applications / Borrower Ratings / Credit analysis across a variety of industries for Japanese Customers across all India branches (primarily Chennai & Bengaluru branch)

Main Responsibilities:

Customer

• Develop and maintain strong stakeholder management with key stakeholders both within and externally.
• Work in partnership with JCBD Relationship Managers in All Indian Branches (primarily Chennai & Bengaluru branch) to support the team in resolving any complex credit processes.
• Work in partnership with Credit department to resolve any credit application issues and share various credit reports prepared by the team.
• Develop & Discuss brief Industry Reports, Credit Updates, Study sessions on credit related matters amongst Japanese Business Group for All India branches (primarily Chennai & Bengaluru branch).

Other/Control

• Collect relevant information and prepare credit applications for approvals.
• Prepare borrower ratings against organisation's guidelines and policies.
• Monitor due date controls to support the credit renewal facility and ensure that covenant checks are completed in a timely manner.
• Prepare reports to monitor submission of documents on covenants checks to ensure that credit applications are appropriately supported.
• Support the delivery of timely process improvement initiatives for the department.
• Support in internal and external audits by coordinating activities for the department.
• Maintain good working knowledge of industry trends, products, relevant laws and regulations.
• Adhere to all company policies as well as guidelines.
• Ensuring adherence to internal control mechanisms relating to credit lines expiry, over-dues and other compliance matters
• To execute work concerning various schemes and directives provided by RBI or any other financial institution including follow up action
• To ensure timely compliance / follow up action of observations made by the Inspectors of RBI / any other examiner on receipt of their reports
• To arrange proper maintenance of Files, Registers, Ledgers and other books of the Department.
• To meet Customers and conduct factory visits for better understanding of business and credit assessment process.

Inter Departmental Co-ordination

• To work in close co-ordination with JCBD, CRMD, Legal / Compliance Department & other departments in the related areas to ensure smooth workflow.
• Coordinate with other departments to carry out standing instructions if required.

Expertise / knowledge required:

• Good analytical skills to interpret large and complex data sets and ability to identify implications of data sets.
• Good communication and presentation skills with ability to influence others using complex data or analysis to support line of reasoning.
• Experience in reviewing and preparing credit application including projection modelling.
• Good knowledge of industries and economic environment in the region.
• Understanding of Banks and its entities products and their risks.

Requirements:

• Chartered Accountant / MBA Finance from reputed Institution shall be preferable.
• 3 - 5 years of relevant experience (Credit Analysis experience in Mid / Large sector in Corporate Banking shall be preferred).

This position is being recruited on behalf of our client through our Outsourcing service line. Resource Solutions Limited, trading as Robert Walters, acts as an employment business and agency, partnering with top organisations to help them find the best talent. We welcome applications from all candidates and are committed to providing equal opportunities.

Client promotes collaboration and aims to provide a supportive and inclusive environment where all individuals can maximize their full potential.

As we are continuously hiring for all our clients in the region, we will retain your CV in our database for any other positions that may fit your profile. Therefore, please let us know if you are not agreeable to that.