Credit Analyst - Corporate & Structured Lending

Responsibilities:

- Preliminary screening of financing transactions and structuring

- Interaction with in-house team (relationship, legal and operations) to provide solution to clients in coordinated and timely manner.

- Interaction with client to understand their business model, organization structure and financing needs. Also resolution of queries and collection of information on ongoing basis

- Credit analysis & due diligence. Preparing Credit & Risk Assessment Notes (CRAN) for evaluating risk in borrower, transaction and underlying security and making initial recommendations

- Presenting the proposal to sanctioning authorities

- Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts

- Preparing term sheets

- Checking disbursements to ensure compliance with sanctioned terms

- The role is centralized for pan-India and sector agnostic

- The structured lending solutions require ability to :

quickly understand and appreciate the key drivers across different businesses.

develop business plans and forecasts with key sensitivities

assess valuation of listed / unlisted companies

appreciate and apply important aspects of laws and regulation especially RBI, FEMA, SEBI, Companies Act, Income Tax Act, relevant laws / regulations pertaining the specific proposals

Job Requirements:

- Chartered Accountant/MBA Finance from Reputed Institute

- Relevant experience of 5-10 years in similar field

- A desire & attitude for understanding of Corporate & Structured Lending is essential

- Computer savvy with experience in Word, Excel, Access, Power point and other analytical tools.

- Conversant with financial modelling

- Knowledge of finance, accounting, corporate & general law and taxation

- The individual in this position must be results oriented and must possess excellent oral and written communication skills

- Previous experience of working in Banks will be an added advantage