Credit Risk Analysis - Bank

Urgently looking for Candidate in credit risk Anlaysis.

Location : Mumbai

Qualification : CA / CFA/ MBA

JD :

Key Accountabilities and Skills required:

Clients

Core responsibilities

- Undertake fundamental credit analysis on an existing portfolio of corporate credit counterparties including:

quantitative factors such as gearing/leverage, debt service cover ratios, liquidity, funding profile, earnings quality, etc;

qualitative factors such as management quality, business profile/ strategy, and macroeconomic & regulatory environment;

Barclays- exposure on the counterparties including risk drivers, key documentation terms/ mitigants, exposure/ limit parameters etc;

Developing and maintaining analytical databases of clients- financial information and industry aggregates/ averages/ peer comparisons at both local and regional level;

Closely monitoring developments related to regulatory, industry, counterparty as well as market indicators such as external ratings, share price, CDS spreads and escalating problems and risk issues to onshore credit officers in a timely manner;

Rigorous and continuous monitoring of exposure against risk limits;

- Prepare annual/periodic credit reviews for submission to senior Risk Officers and Credit Committees

- Ensure all relevant Credit Risk policies, standards and procedures are followed

- Timely action on transaction-level limit requests received from Front office and Product areas via allocation from pre-agreed limit framework assigned by onshore credit officers (if any)

- Escalating credit requests outside the agreed framework to onshore credit officers.

- Updating all credit risk systems to ensure that credit limits, internal grades and other credit parameters are aligned with the framework assigned by onshore credit officers

- Investigating limit excesses if any, and escalating to the onshore credit officers and supporting stress test monitoring

- Preparing regular and ad-hoc Management Information packs for portfolio oversight

- Ensuring data integrity and robust control environment during risk management process

- Perform credit analysis on interim requests for credit facility amendments, and prepare analysis in support of interim headroom requests, for presentation to senior Risk officers for approval

Additional responsibilities may include;

- Liaising and communicating with other departments to ensure documentation requirements are met

- Undertake quarterly reviews on more complex and higher risk groups, including reporting on corporate credit counterparties which have been determined to merit more frequent credit review

- Maintain data integrity of relevant Credit Risk systems (and perform monthly credit grade attestation

- On-going monitoring of portfolio of industries for material developments affecting credit quality and the initiation of appropriate action. This will be based on:

Financial risk analysis (balance sheet, P&L and cash flow) of clients including supporting the annual review process

Analysing the overall performance of clients relative to company budgets and the Bank's internal expectations/forecasts.

Assessment of management, strategy and business risk.

Analysis/monitoring of the credit risk taken by the Barclays Group to customers/industries across a wide range of investment and commercial banking products.

Financial modelling or stress testing in support of requests/transactions.

Industry sector/client specific research.

- Assist and support onshore teams in the preparation of periodic portfolio reviews (typically performed annually).

- Assist and support on-shore teams in responding to information requests from our banking system regulators

Colleagues

- Actively engage and help other team members in achieving their objectives to enhance performance of the wider team

- Build strong working relationships and proactively manage internal clients/stakeholders across all credit teams onshore

Company

- Think and act beyond their immediate responsibilities

- Understanding of products and client offerings for Investment & Corporate Banking

Community

- Actively participate in Barclays Community Events

Stakeholder management and leadership -

- Actively engage and help other team members in achieving their objectives to enhance performance of the wider team

- Build strong working relationships with senior Onshore credit officers . Proactively manage internal stakeholders across technology, risk etc.

Decision making and problem solving :

- Think and act beyond their immediate responsibilities

- Understanding of products and client offerings for Investment & Corporate Banking

- Assess, propose and jointly agree with Credit sanctioners on limits and limit structures.

Risk and Control: All Barclays colleagues have to ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards

Your Skills and Qualifications will include

- Relevant experience of credit analysis/research in another financial institution, preferably a major international bank

- Good commercial experience working within Credit, preferably in an international banking environment.

- Masters / Professional qualification such as MBA/ CA/ CFA or equivalent

- Proven track record in technical credit skills, including working knowledge of accounting (IFRS and US GAAP preferred)

- Knowledge of several Sectors / industries

- Awareness of legislation affecting the Bank and customers (including Data Protection Act, Companies Act, Insolvency Act, Financial Services Act) and have the highest regard for confidentiality

- Familiarity with standard banking products such as derivatives, loans and trade finance

- Analytical and numerate in support of Corporate Credit Analysis, including appreciation of:

General accounting principles

Cash flow and balance sheet analysis and interpretation

Financial models and modelling techniques

Risk measurement and hedge management techniques

- Attention to detail

- Strong verbal & written communications and presentation skills (in English)

- IT/Systems skills, including proficiency in Word, Excel and Power Point

- Strong Inter-personal skills

The Benefits: Our customers deserve the best. The same goes for our employees. That's why at Barclays you'll receive a range of benefits that include a competitive salary and all the tools, technology and support you need to succeed.

Our Culture: Everything we do is shaped by the five values of Respect, Integrity, Service, Excellence and Stewardship. The values inform the foundations of our relationships with customers and clients, but they also shape how we measure and reward the performance of our employees. Simply put, success is not just about what you achieve, but about how you achieve it.

Dynamic working gives everyone at Barclays the opportunity to integrate professional and personal lives, if you have a need for flexibility then please discuss this with the hiring manager.

Barclays is an equal opportunity employer and are opposed to discrimination on any grounds. For more detailed information, please visit our dedicated Diversity and Inclusion site here.

Shraddha Mehta