AVP - Credit Analyst - Bank

Location - Mumbai

Company: Global Bank

Salary: 25-45 Lacs + Bonus

Role: AVP - Credit Analyst

Key responsibilities:

1. Performing fundamental credit risk analysis and assigning internal credit ratings on counterparties based mainly in India/SE Asia.

2. Participating in client due diligence meetings / visits/ interviewing management teams as needed.

3. Preparing and presenting analysis in written format.

4. Communicating the rating rationale and risk appetite to internal stakeholders.

5. Performing annual reviews of counterparties within the portfolio.

6. Monitor market, regulatory, macro-economic and political developments; assess their impact on credit quality of counterparties.

7. Liaising with Credit Risk Control and Risk Analytics and Reporting departments to ensure that the exposures are adequately reflected in the risk systems

8. Performing general problem solving of any issues in relation to counterparties in the portfolio

9. Analyze, structure and approve transactions within existing limits or delegated credit authority

10. Make credit risk decisions within assigned credit authority

11. Liaising with Legal department to ensure identified risks are adequately addressed in the legal documentation and setting credit terms in the legal documentation

12. Working closely with the Front Office deal structuring teams, assess proposed transactions within the context of the transaction structure to ensure structural risks are properly identified and adequately mitigated

QUALIFICATIONS

1. University degree holder (preferably in engineering, mathematics, finance, banking, or economics) along with MBA or professional qualifications such as CA, CFA.

2. 3-5 years work experience in credit analysis/annual review

3. Strong analytical skills

4. Strong communication skills - both verbal and written

5. Excellent writing skills