Credit Risk Analyst - BFSI

Credit Risk Analyst

Job Title : Credit Risk Analyst

- Undertake fundamental credit analysis on his/her portfolio of corporate credit counter parties

- 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)

- 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

- 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

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

- Undertake interim 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.

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

What we are looking for :

- Relevant experience of credit analysis/research in another financial institution, preferably a major international bank. Knowledge of multiple regions / sectors / industries

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

- Understanding of various banking products including revolving credit facilities, derivatives, LCs, Bank Guarantees, Receivable purchase facilities, etc.

- Skills that will help you in the role:

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

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