Manager/Senior Manager/Assistant General Manager - Annual Credit Rating

Role to be performed:

- Review of credit applications & supporting documents (overall financial capacity and capability to pay back)

- Credit report (recommendation on whether to approve/decline the credit application)

- Present credit report to internal committee.

Requisite of an Individual Contributor:

- Credit underwriting / Credit risk analysis; Quality Focused and has performed quality and data analytics function. Ability to interpret and highlight risks and early warning signals.

- Good understanding of Cash flow statement analysis, Income Statement Analysis and Balance Sheet to analyze Credit Quality, Liquidity, Leverage and Coverage etc.

- Ability to weigh macro and company factors for risk analysis and recommendations.

Applications:

- Tool developed by Moody's Risk Analysis, FIS Optimist, Credit Lens

- Spreadsheets of business entities (ratio analysis and financial modelling)