Credit Rating/ Analysis (Assistant/ Associate Director)

Credit Rating/ Analysis (Assistant/ Associate Director), Bangalore (work from office)

We are looking for few senior resource with 12-18 years with strong credit industry knowledge, team handling, strategy building, solutioning, migration, client management experience etc. (especially from international banking captives & KPO/ BPO's)

Role & responsibilities

• Maintaining high quality in the below workflows by performing quality checks, providing training, mentoring and upskilling juniors: Spreading of the financial statements of corporates in the client proprietary platform.
• Analysis of financial statements of public and private companies for the credit appraisal process
• Conducting background research independently to understand the appropriate KPIs that are relevant to each borrower
• Monitoring covenants on a regular basis, performing validations and highlighting any Early Warning Signals
• Carrying out written credit appraisals, risk ratings, and credit notes for credit approvals
• Motivating and managing a team of analysts, planning workflows and liaising with global clients in ensuring that deadlines are met at the required standard
• Contributing to process improvement, providing value adds to the deliverables and automation of tasks
• Providing domain expertise in credit notes and credit appraisals
• Communicating clearly and confidently with internal and external stakeholders both written and verbal

Preferred candidate profile

• 12-18 years of experience in Commercial lending (corporate/wholesale lending) operations including origination, underwriting and portfolio monitoring activities
• Experience in managing large teams
• Familiarity and expertise in a specific sector will be an added advantage
• Experience in complete delivery set-up, smooth roll-out of services and the implementation of best practices, feedback mechanisms, hiring and training the team
• Good knowledge of the products involved in entire value chain of commercial lending including underwriting, covenant monitoring, and portfolio monitoring.
• Hands on experience in carrying out tasks like credit appraisals, finalizing risk ratings, credit notes for credit approvals and ongoing monitoring.
• Excellent understanding of the financial statements of the corporates
• A Masters in Business Administration and/or a full/ part qualification in CFA will be an added advantage.
• A highly analytical mind and a high level of attention to detail
• Excellent written and spoken English communication skills
• The ability to work independently and meet deadlines under pressure