Nomura - Credit Analyst - CA

Credit Analyst - CA Fresher(1st Attempt)

As a Credit Analyst, you will be given training in analysis of financial statements, macro/economic environment and business profile of entities to arrive at a credit rating. You will learn to write detailed analytical reports and use credit rating models to arrive at a credit rating, which is used to set risk appetite and in capital calculations for the bank.

You will be part of a dynamic team that not only manages credit risk for the bank, but also participates in global projects, strives to improve processes by using technology and tools available in the firm, and is well integrated with the global CRM Division.

Job Description:

- A fully trained Credit Analyst is responsible for carrying out the below responsibilities with respect to an assigned portfolio of Nomura counterparties:

- Carrying out credit risk assessment for Corporates, Financial Institutions or Funds (Investment Advisors, Mutual Funds, Pension Funds, Hedge Funds) globally.

Daily responsibilities include:

- Performing in-depth analysis and writing credit reviews to assign credit ratings for counterparties on an annual/semi-annual basis. This would include financial statement analysis (P&L, Balance Sheet, Cash Flow Statement), business profile analysis along with peer and sector analysis

- Approving new client onboarding requests, after performing necessary due diligence

- Investigate credit limit breaches by liaising with Sales, Operations, Middle Office teams etc. to determine the cause of the breach, and take necessary action as per Credit Policies

- Monitor the performance of assigned Counterparties and also closely track developments related to the Counterparty, industry, regulations, etc. and take appropriate action as necessary

- Participating in ad-hoc projects e.g. using data to create models/scorecards, automating processes using data analytical tools etc.

Requirements:

- Excellent verbal and written communication skills are a must

- Good analytical and logical reasoning ability, a desire to create a career in research / analysis

- Self-starter with the inclination to work hard and flexibly, in a rewarding environment

- Interest and willingness to learn new skills and apply these to grow as an Analyst

- Proficiency in Microsoft Word, Excel and PowerPoint is a must. Knowledge of Python, Alteryx, PowerBI, SQL is desirable