Credit Analyst - Annual Credit Review (6-15 yrs)

Credit Analyst - Annual Credit Review

Job Purpose and Primary Objectives:

- Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure

Key Roles & Responsibilities :

- Experience in Corporate & Commercial Lending, FIG/Corporate & Investment Banking,

- Self-execute and co-partner with teams to manage end to end credit approval for the designated line of credit.

- Underwrite mid to large corporate loans cases and present to senior level.

- Credit Decisioning and Credit Risk approvals is the key responsibility.

- Authorize deviations raised and documented by underwriters in compliance with credit policy.

- Prepare, finalize review of credit memos as part of Core Credit Underwriting, and approval/ decline signoffs on every credit memo after checking for documentation requests.

- Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure.

- Sound knowledge of financials, cash flow, leverage & liquidity analysis, credit quality, assigned value risk analysis.

- Knowledge of internal rating rationale, projections and credit recommendations.

- Ability to forecast and prepare Base Case Financial Projections, Potential.

- Downside financial case projections models adjusting recessionary trends, counterparty specific risks and adjustments.

- Risk Modelling: Base Case Scenario, Recessionary Case Scenario, Risk Models and Projections for income, cash flow for risk rating and judging repayment capacity and risks.

- Ability to weigh macro and company factors for risk analysis and recommendations.

- Understand Client performance received from customers as well as benchmarking data and publicly available information.

- Knowledge of industry and sectors and impact of macroeconomic environment.

- Identify timely risk mitigating actions to protect bank and support the customer.

- Link credit assessment to primary and secondary sources of repayment.

- Question the need for sector and company analysis to evaluate debt servicing ability.

- Assess the ability of the debt to meet the commercial needs.

- Debate the purpose of borrowing, the risks, and the expected structure of the debt.

- Knowledge of any one Financial Spreading tools: Moody's Risk Analyst, FIS Optimist, Credit lens or allied spreading tools.

Supervisory/Managerial responsibilities:

- Independent contributor/Quality/Training/Administrative

- Stakeholder interactions with business/onshore counterparts

Knowledge & Skills Needed :

- 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.

- Underwriting & Credit Decisioning/Credit approval authority for Corporate Loans is a must.

- Strong knowledge on Global accounting standards - IFRS, US GAAP Accounting and classification/ International Financial Reporting Standards (10-K, 10-Q, SEC / SEDAR / 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.

Experience Required:

- 8 to 15 years of relevant experience; in Corporate Banking, FIG/Corporate & Investment Banking with Credit Decisioning Specialist or Approval of Corporate Lines of Credit

- 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

- 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