Overview
Job Responsibilities:
– Independently prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues) for middle market clients (clients with exposure less than $5MM). Recommend rating grades based on analysis for the clients.
– Quality check work delivery for junior analysts in the team. Understand various techniques and methods of credit analysis, accounting treatments, financial adjustments, firm’s credit related policies, etc.
– Develop and maintain open communication channels with Underwriters and Bankers. Independently handle all calls/rating discussions with Underwriters and Credit Executives.
– Build strong knowledge of credit analysis for clients.
– Stakeholder management – Build strong relationships and maintain open communication channels with Credit Officers and Credit Executives
Required Qualifications, capabilities and skills : MBAs (with Finance specialization) / CAs
– 3-5 years of experience in credit risk. Excellent academic record; experience in credit risk
– Strong grasp of corporate finance concepts and their application
– Understanding of the financial statements, including ratio analysis, cash flow analysis, and basic accounting standards
– Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies
– Strong communication skills – both oral and written; ability to effectively present analysis and interact with global credit bankers
– Deadline orientation; close attention to detail and accuracy. Proficient in the use of MS Word, Excel and Power Point
– Ability to work proactively & independently as well as in a team environment. Strong interpersonal skills, ability to build positive relationships with Underwriters and Relationship Managers