Crisil - Lead Analyst - Loan Review/Credit Risk Assessment

Job title: Lead Analyst - Loan Review/Credit Risk Assessment

About CRISIL Limited :

CRISIL is a leading, agile, and innovative global analytics company driven by its mission of making markets function better.

It is India's foremost provider of ratings, data, research, analytics, and solutions with a strong track record of growth, culture of innovation, and global footprint.

It has delivered independent opinions, actionable insights, and efficient solutions to over 100,000 customers through businesses that operate from India, the US, the UK, Argentina, Poland, China, Hong Kong, Singapore, Australia, Switzerland, Japan, and the United Arab Emirates (UAE).

It is majority owned by S&P Global Inc, a leading provider of transparent and independent ratings, benchmarks, analytics and data to the capital and commodity markets worldwide.

CRISIL is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law.

To know more: www.crisil.com

About CRISIL Global Research & Risk Solutions (GR&RS):

CRISIL GR&RS is a leading provider of high-end research, risk and analytics services. We are the world's largest provider of equity and fixed-income research support to banks and buy-side firms.

We are also the foremost provider of end-to-end risk and analytics services that include quantitative support, front and middle office support, and regulatory and business process change management support to trading, risk management, regulatory and CFO functions at world's leading financial institutions.

We also provide extensive support to banks in financial crime and compliance analytics. We are leaders in research support, and risk and analytics support, providing it to more than 75 global banks, 50 buy-side firms covering hedge funds, private equity, and asset management firms.

Our research support enables coverage of over 3,300 stocks and 3,400 corporates and financial institutions globally. We support more than 15 bank holding companies in their regulatory requirements and submissions.

We operate from 7 research centers in Argentina, China, India, and Poland, and across several time zones and languages.

Department: GR&RS

Experience: 7+ years of experience in credit risk assessment/loan review of commercial credit with good understanding of risk policies and framework, credit lines, and counterparty credit risk

Job duties:

- Conduct independent, high quality, comprehensive reviews of borrowers across a diverse range of loan portfolios to assess adequacy of credit quality, loan documentation, credit administration, collateral valuations, risk rating accuracy, and compliance with established policies

- Analyse and interpret borrower specific information, including an independent assessment of repayment capacity, covenant adherence, legal documentation, and industry risk

- Interpreting and applying regulatory feedback and requirements as well as bank policies and credit standards and evaluate adherence of reviewed credits to these policies, credit standards, risk limits, and regulatory guidance

- Produce workpapers documenting review findings for internal presentation to bank management and external presentation to Line of Business partners and Regulatory review

Qualification:

- CA/MBA Finance/Graduate in Finance (Accounting)

Skills required:

- Strong knowledge of Indian banking laws and regulations, specifically those which pertain to commercial credit, underwriting, and credit department management

- Understanding of credit processes, such as loan origination and underwriting; credit policies; portfolio management; allowance for loan and lease losses; loan review and remediation

- Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a plus

- Demonstrated experience overseeing and performing loan reviews is preferrable

- Effective communication skills and the ability to interact with all levels of management with limited supervision

- Working knowledge of project planning and project management methods and tools