Credit Analyst - Annual Credit Review

Job Role: Credit Analyst

Job Process: Annual Credit Review

Shift timings: UK Shift

Location: Bangalore, Gurgaon, Mumbai, Pune.

              (Working from Bangalore for initial 6 months is mandatory)

Experience Required:

•                     4 to 8 years of relevant experience; in Corporate & Commercial Lending, FIG/Corporate & Investment Banking.

•                     Credit Underwriting, Credit Risk Management and understanding of financial statement, Credit Review, Credit Risk Analysis / Underwriting is must; Quality Focused and has performed quality and data analytics function.

•                     Risk Modelling - Base Case Scenario, Recessionary Case Scenario, Risk Modeling and Projecting cash flow for risk rating and judging repayment capacity and risks.

•                     Good understanding of Cash flow statement analysis, Income Statement Analysis and Balance Sheet to analyze Credit Quality, Liquidity, Leverage and Coverage etc. Ability to interpret and highlight risks and early warning signals.

Knowledge and Skills required:

•                     Relevant experience within a financial institution (analyzing corporate client's risk, insights and credit); Relevant Knowledge and understanding of FIG, Corporates, Middle Market Financing Products.

•                     Strong knowledge on Global accounting standards - IFRS, US GAAP Accounting and classification/ International Financial Reporting Standards (10-K, 10-Q, SEC / SED AR / FRC Filings, Press Release and Investor Presentation etc.)

•                     Ability to understand private and public limited corporation structure, reporting and classification of financial segments and key credit assessment ratios / parameters.

•                     Sound knowledge of parent and subsidiary exposure, debt structure, operating model and ownership structures.

•                     Strong Knowledge of MS Office Spreadsheet and formulas.

•                     Strong Ability to handle seasonal peaks and dynamic changes in workflow.