Credit Rating Role - Real Estate - International & Institutional Banking

Looking for someone having done CREDIT RATING for Real Estate clients .

The team will perform research & analysis and credit management activities for International & Institutional Banking (IIB) clients. These include:

- Prepare Asset Writing Memos (AWM) for Authorized Point status clients

- Prepare Financial Monitoring Dairy Notes (DN)

- Annual Review Credit Memorandums (ARCM)

- All other credit management activities as identified by Credit and Capital Management (CCM) from time to time.

Key responsibilities:

- Responsible for write-up of IIB credit proposals by working closely with Frontline and Risk. Comprehensive credit memo/diary note coverage covering all key analytical areas - risk rating, financials, recent news, economic, political/regulatory environment and views from rating agencies/other research institutions

- Personally develop and maintain strong working relationships with Business (RM's and R&A Associates) and Risk Executives to ensure all key risks are properly recognized and thoughtfully mitigated in credit proposals.

- Adherence to internal group policies, procedures and processes.

- Reduce regional variations in the templates, procedures and policies by adopting a globally consistent framework in the hub

- Play an active and constructive role in identifying opportunities to improve the efficiency and quality of credit process

- Engage in the development, implementation, review and monitoring of various credit programs

KRAs

KRA's to be in line with Judgmental Credit Requirements (JCR)

Competencies

1. Credit Analysis skills (strong fundamentals)

2. Business acumen & knowledge (industry experience)

3. Excellent report writing skills

4. Internal Risk Management/Regulations

5. Managing change

Essential Experience Profile

- Academic understanding of Credit principles and policies

- Qualified Chartered Accountant or MBA Finance from a premier institution or other avenues such as Masters in Economics, etc

- Excellent communication and ability to build effective relationships stakeholders

- 4-7 years- work experience in the field of credit analysis or research field

Role Dimensions

Budget NA

Customers IIB Clients.

Key stakeholders include IIB (Bengaluru), Research & Analysis (part of Credit & Capital Management), Relationship Managers and Risk Approvers globally