Credit Analysis - Large Corporates Segment - Banking

Responsibilities:

- Preparing credit applications / annual reviews of counterparties to assess their credit quality, recommending appropriate credit limits, obligor rating, terms and conditions that address client credit risk and transaction risk.

- Assure Annual Reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines.

- Assure post approval activities and other credit related tasks are completed on time.

- Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations.

- Reviewing all relevant legal documentation (i.e. credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply policies.

- Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned.

- Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality including monitoring covenants and watch list triggers.

- Be proactive to take up adhoc and complex assignments while not impacting the scheduled annual reviews.

Profile Required:

- Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and reulatory issues governing relevant sectors

- Good understanding of various legal agreements (term sheet, Credit Agreement, ISDA & CSA, GMRA, GMSLA, SBLC agreement) and ability to assess credit terms and conditions, including financial covenants, security and collateral

- Knowledge of capital markets / traded products, commercial financing facilities and investment banking products

- Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.) and making a recommendation

- Ability to prepare financial models / forecasts for various scenarios

- Ability to complete work with minimal or no supervision and accommodate shifting priorities

- Proficiency in MS Word, MS Excel, MS PowerPoint

- Knowledge of market data tools like Thomson Reuters, Capital IQ, Bloomberg, SNL, etc.

Specific Context:

Conduct a thorough and comprehensive counterparty risk assessment of Large Global Organizations, propose internal risk rating, justify limits and mitigants, and submit a written recommendation for approvals to risk department. Also involves continuous monitoring of the counterparty risk profile