Risk - CB - Credit Analysis Unit - ABL - Analyst
Req #: 190114597
Location: Bangalore East, KA IN
Job Category: Investment Banking
Employment Type: Full Time
Responsibilities:
- Prepare credit risk analysis reports on assigned portfolio of clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures.
- Covenant tracking - Spread income statement, balance sheet and cash flow on a monthly/quarterly basis for the purpose of calculating various ratios like fixed charge coverage ratio, minimum liquidity availability figures, leverage ratio etc. and checking for compliance with agreed covenant ratios
- Summarize Field exam results and also provide CRM comments on the exam findings. Work with onshore to finalize ABL risk comments on the field exam.
- Summarize Inventory appraisal findings as part of the annual review process.
- Detailed Borrowing base analysis and analyze collateral related metrics (month on month) on the allocated portfolio of clients
- Contribute on adhoc portfolio analytics projects
- Develop and maintain open communication channels with bankers in North America. Independently handle all calls/rating/spreads discussions with Underwriters
- Develop understanding of various techniques and methods of credit analysis, accounting treatments, financial adjustments etc.
Qualifications:
- MBAs (with Finance specialization) / CAs
- Excellent academic record
- Strong understanding of accounting and finance concepts
- Strong analytical skills and keen attention-to-detail
- Deadline oriented, organized, and responsible
- Ability to work independently as well as in a team environment
- Strong communication skills - oral and written
- Proficient in the use of MS Word, Excel and Power Point
- 1 year of Credit related work experience would be a plus (though not a must)
- Credit approval and modelling experience would be a plus ((though not a must))