Credit Analyst - US Middle Market

Below is the JD for Credit Analyst (US Middle Market Companies)

About the business :

Asset Backed Finance & Securitization (ABF) group provides capital markets-based financing solutions to corporate and commercial customers, including finance companies, mortgage companies, and asset managers.

Asset Backed Finance group provides structured finance and securitization capabilities that bring together clients seeking capital with investors through the broad distribution network of the Bank. Along with the strong balance sheet of the bank, we have the capital to extend market-based financing to an array of issuers, making us a premier provider of structured finance.

Shift time( mention work window) : 11 AM to 8.00 PM / 12 AM to 9.00 PM

Overseas travel required( Y/ N) : Depends on the requirements

Designation : Credit Analyst

Education UG( Eg:Bcom/ Bsc/ Any): Any graduate, preferably from the commerce background

Education PG( Eg: MCA/ MBA/ Any/ NA): MBA (Finance), PG (Finance)

Professional Qualification( Eg: CPA/ CFA): CFA Level II or FRM/GARP cleared (Preferably)

Job Responsibility :

- Analysis of financial statements/offer memorandum/term sheets to judge the liquidity and credit worthiness of the clients for lending/equity perspective.

- Regular Credit Approvals and Monitoring of the portfolio.

- Building financial models and internal credit packages based on the Offering Memorandum, rational assumptions and past financials.

- Extensive coordination with on-shore team on the workflow.

- Knowledge of asset market origination criteria's including the basic process, collaterals analysis/amortization, analyzing terms and conditions and its impact on deal execution.

- Monitoring and internal reporting post closure of a deal.

- Regular tracking on deal collaterals and analysis of the credit quality and liquidity.

Work experience background required (describe work exp of suitable candidates) :

- Knowledge and relevant experience in corporate debt, credit underwriting, loan level analysis, commercial loans and asset securitization (structured finance)

- Excellent Writing skills

- Experience with Financial Modeling, and strong quantitative and analytical orientation.

- Good communication and inter-personal skills.

- Excellent in excel, power point and word (Proficiency in MS Office).

- Creative, self-starter, ability to work alone with little or no supervision. Ability to work under pressure.

- Excellent command over written English (for internal pitch and internal memos).

Years of experience( Mention Range) : 0-3 years of relevant experience

Preferred skills :

- Excel modeling skills.

- Working knowledge of corporate valuation and credit risk analysis.

- Understanding of the US economy and US accounting standards.

- Familiarity with structure and content of SEC filings (10-K, 10-Q, 8-K, etc.)

- Critical thinking skills and ability to analyze difficult problems.

- Good analytical and statistical skills.

- Good writing skills.