Tata Consultancy Services - Credit Analyst

Job Purpose and primary objectives:

- Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure.

Experience required:

- 4-6 years of relevant experience; in Corporate & Commercial Lending, FIG/Corporate & Investment Banking.

- Credit Underwriting, Credit Risk Management and understanding of financial statement, Credit Review, Credit Risk Analysis / Underwriting is must; Quality Focused and has performed quality and data analytics function

- Risk Modelling - Base Case Scenario, Recessionary Case Scenario, Risk Modeling and Projecting cash flow for risk rating and judging repayment capacity and risks.

- Good understanding of Cash flow statement analysis, Income Statement Analysis and Balance Sheet to analyze Credit Quality, Liquidity, Leverage and Coverage etc. Ability to interpret and highlight risks and early warning signals.

Key Roles & Responsibilities:

- Experience; in Corporate & Commercial Lending, FIG/Corporate & Investment Banking,

- Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating

performance and capital structure.

- Sound knowledge of financials, cash flow, leverage & liquidity analysis, credit quality, assigned

value risk analysis.

- Knowledge of internal rating rationale, projections and credit recommendations

- Ability to forecast and prepare Base Case Financial Projections, Potential

- Downside financial case projections models adjusting recessionary trends, counterparty specific risks and adjustments.

- Risk Modelling - Base Case Scenario, Recessionary Case Scenario, Risk Models and Projections for income, cash flow for risk rating and judging repayment capacity and risks

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

- Understand Client performance received from customers as well as benchmarking data and publicly available information

- Knowledge of industry and sectors and impact of macroeconomic environment

- Identify timely risk mitigating actions to protect bank and support the customer

- Link credit assessment to primary and secondary sources of repayment

- Question the need for sector and company analysis to evaluate debt servicing ability

- Assess the ability of the debt to meet the commercial needs.

- Debate the purpose of borrowing, the risks, and the expected structure of the debt

- Knowledge of any one Financial Spreading tools: Moody's Risk Analyst, FIS Optimist, Credit lens or allied spreading tools.

Knowledge & Skills Needed:

- Relevant experience within a financial institution (analyzing corporate client's risk, insights

and credit); Relevant Knowledge and understanding of FIG, Corporates, Middle Market Financing Products

- Strong knowledge on Global accounting standards - IFRS, US GAAP Accounting and classification/ International Financial Reporting Standards (10-K, 10-Q, SEC / SEDAR / FRC Filings, Press Release and Investor Presentation etc.)

- Ability to understand private and public limited corporation structure, reporting and

classification of financial segments and key credit assessment ratios / parameters

- Sound knowledge of parent and subsidiary exposure, debt structure, operating model and ownership structures.

- Strong Knowledge of MS Office Spreadsheet and formulas.

- Strong Ability to handle seasonal peaks and dynamic changes in workflow

Job Process: Annual Credit Review

Experience: 4+ years of relevant experience in Corp. Banking, FIG, and Middle Market Corporate Credit team

Location: Bengaluru, Gurgaon, Mumbai and Pune (Initial 6 months for training at Bengaluru is

Mandatory)