Posted By
Posted in
Banking & Finance
Job Code
322756
Job title : Risk Analyst - Corporate Counterparty Risk
Business Line : RPC
Country : India
Product Line : RPC- Counterparty Risk
Department : RPC - Sectors, Corporates & Structured
Reporting to : Head - Corporate Counterparty Risk
Mercure Job Code : E1AQxx
Summary of the position :
- Financial and credit analysis and writing of corporate credit files
- Determining risk ratings in the rating tools
- Issuing of risk opinion or risk conclusion on the credit requests
- Participate to the Local Credit Committees
- Co-ordinate with Regional and HO risk analyst teams
- Monitoring of the economic and financial evolution of clients
- Monitoring of global set of credit limits on clients / groups
- Interaction with Senior bankers / Relationship Managers on the credit requests and ongoing monitoring of risk exposures
Organisation chart and line reporting :
- Name of the Manager Appraiser Head - Corporate Counterparty Risk
- Internal functional links Senior Bankers / Relationship Managers and Risk Analysts in the Regional /HO
- External functional links Rating Agencies, Local credit bureaus
Main duties :
- Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in conjunction with senior bankers/ relationship managers for their portfolio and for all business lines relevant to a particular corporate client
- Advising senior bankers and business lines on the structuring of the transactions / Group structures / line structure / methodology, during the preparation of the credit application
- Determining Risk Ratings in the rating tools (calculation, proposal and validation) for groups and counter-parties
- Ensuring that the risk strategy elaborated by the senior banker is consistent with the Bank's risk strategies for the relevant sectors and country
- Conducting annual review of credit limits and rating review of counter-parties / groups, ensuring that the annual reviews are prepared in a timely manner and that ratings are reviewed by the Bank at least every 12 months
- Monitoring of the economic and financial evolution of clients, providing alerts to the head of the Department / management of potential deterioration of risk profiles of borrowers and of critical situations
- Monitoring of the global set of limits and exposure on groups / counter-parties
- Per delegation level, issuing risk opinion or risk conclusion concerning the borrower, the relevant of the proposed transaction, the set up of credit limits and the internal rating; participation to the Local Credit Committee. For credit applications exceeding the local delegation, working in co-ordination with the regional / HO risk analyst teams
- Update and capture data in the electronic credit decision workflow systems
- Preparing information and data for annual portfolio reviews.
Specific features of the activity (place, travelling, constraints, etc.) :
- The position is located in the CA-CIB Mumbai office
- May involve occasional travel to client sites across the country
Candidate's technical skills :
- Ability to read and analyse financial statements / balance sheet understanding.
- Industry / sector knowledge.
- 2-3 years- experience in corporate risk analysis department of banks / rating agencies.
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Posted By
Posted in
Banking & Finance
Job Code
322756
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