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good opportunity Credit Analyst, Funds

2.00 to 4.00 Years   Mumbai City   07 Sep, 2022
Job LocationMumbai City
EducationNot Mentioned
SalaryNot Disclosed
IndustryBanking / Financial Services
Functional AreaStatistics / Analytics
EmploymentTypeFull-time

Job Description

    *Role Responsibilities
    • Responsible for the front-to-end BCA (Business Credit Analysis) process of assigned accounts as primary analyst by performing independent, forward looking credit analysis of current and prospective clients and act as a secondary analyst as needed.
    • Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence
    • Prepare comprehensive credit analysis reports and provide rating and limits recommendation based on the analysis
    • Plan and conduct the overall credit process and proactive monitoring of credit events for assigned accounts
    • Keep up to date with industry news/events and possible impacts on the assigned accounts.
    Strategy
    • Financial analysis of customers using credit skills; ratio analysis; evaluation of security and collateral; evaluation of parent support policies; judgment of management and strategy.
    • Evaluation and understanding of risk associated with individual transactions, products, borrowers and counterparties.
    • Ensure compliance of all internal and regulatory credit/other portfolio related policies in conjunction with GAM (Global Account Manager)
    • Monitor Risk Triggers, Covenants and other credit conditions and ad hoc credit reports appropriately - preparing reports, escalation, and take actions, as per policy/procedure. Monitor, in conjunction with Funds Risk, ISDA NAV triggers and track the evolution of client performance and risk profiles over time.
    • Ensure Zero BCA over dues and work to minimize extensions.
    Business
    • Ensure compliance of all internal and regulatory credit/other portfolio related policies in conjunction with GAM
    • Contribute to the excess report process, including, but not limited to proposing limit increases or reducing exposures and promptly addressing queries.
    • Participate regularly in account planning sessions to ensure familiarity with customer business.
    • Visit/meet customers to conduct credit due diligence of existing customers with credit lines as part of the annual credit review process. Conduct enhanced credit due diligence in order to achieve clear understanding of credit risks associated with new transactions. Prepare call reports on credit/risk related discussion
    • Contribute to the structuring of transactions in coordination with other stakeholders (e.g., legal, Financial Markets, Structured Finance, Funds Risk) including the corresponding RWA calculations.
    • Propose and assist with negotiation of credit terms for ISDA/CSA agreements through preparation of Credit Term Sheets (CTS).
    • Cultivate and maintain close relationships with stakeholders in Funds Risk, Legal, and Middle Office.
    • Conduct periodic portfolio reviews of assigned segment to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events.
    • Proactively monitoring market data and risk triggers across the assigned portfolio.
    • Take personal responsibility for complex transactions or complex relationships with assigned names.
    • Contribute to Stress Tests requests
    • Perform ad-hoc projects, as needed
    ProcessesResponsible for the Credit Analysis process for Hedge Funds and PE Funds clientsPeople and Talent
    • Embed Here for good and Group s brand and values in Financial Markets globally
    • Build strong and cooperative working relationship with other stakeholders in the bank.
    • Contribute to continuous process improvement and sharing best practice
    Risk Management
    • Abide by the Bank s RM Framework
    Governance
    • Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
    Regulatory & Business Conduct
    • Display exemplary conduct and live by the Group s Values and Code of Conduct.
    • Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
    • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
    Key Stakeholders
    • GAMs, FAMs
    • Risk, CRC
    • MDU, Legal and Compliance, where relevant
    • Product partners
    • FCC, where relevant
    External Relationships:
    • Clients (Existing and potential new clients)
    Other Responsibilities
    • Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures
    Our Ideal Candidate
    • Strong understanding on hedge fund and private equity fund strategies and embedded risks associated with their investments and operations.
    • Proven history of performing financial statement analysis and conducting hedge fund / PE fund credit due diligence reviews.
    • Minimum of 3 years relevant experience gained as a credit/equity analyst, including minimum of 2 years covering hedge fund and/or private equity fund.
    • Bachelors Degree with concentration in Finance, Accounting and other related fields. Advanced Certification is a plus (MBA/CFA).
    • Ability to effectively manage competing deadlines for projects in a dynamic work environment, with varying degrees of supervision
    • Strong attention to detail and ability to notice discrepancies in data
    • Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.
    About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 160 years, weve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If youre looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we cant wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, youll see how we value difference and advocate inclusion. Together we:
    • Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
    • Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
    • Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
    • In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
    ,

Keyskills :
bankingdue diligencelife insurancecreditriskfinancial statementsfinance

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