Credit Analytics

Job Description

As an incoming resource for this role, you will be responsible for working on detailed financial models and drafting credit reports. You are required to have a strong understanding of financial analysis concepts and excellent communication skills. The role may involve working independently or as a team lead with a team of 2-4 analysts, depending on your experience and alignment with the teams requirements.Key Responsibilities:- Developing detailed financial models including transaction details, financial statement analysis, projections, ratio analysis, credit metrics, among others.- Conducting in-depth analysis of loan opportunities across various sectors and geographies.- Performing sensitivity analysis on projections for stress testing loan serviceability.- Identifying deal-specific covenants that can serve as early warning signals while monitoring loans.- Drafting concise and easy-to-read credit reports with key takeaways for credit and risk review.- Conducting detailed industry and market studies to understand the operating environment of borrowers.- Interacting with clients to address data gaps, inconsistencies, and analytical frameworks.Qualifications Required:- Ability to draft credit reports.- Strong financial analysis skills with a thorough understanding of accounting and financial concepts.- Excellent communication skills for interactions with Debt Directors, clients, and stakeholders in the UK and/or US.- Personal attributes such as proactive, flexible, creative, result-driven, responsible, curious, team player, and fast learner.- Minimum of 6 years of relevant experience.- Hands-on attitude with the willingness and capability to understand the big picture.- Ability to thrive in a culture where change and speed are integral to daily work.- MBA/PGDM/CA/CFA from a reputed institute. As an incoming resource for this role, you will be responsible for working on detailed financial models and drafting credit reports. You are required to have a strong understanding of financial analysis concepts and excellent communication skills. The role may involve working independently or as a team lead with a team of 2-4 analysts, depending on your experience and alignment with the teams requirements.Key Responsibilities:- Developing detailed financial models including transaction details, financial statement analysis, projections, ratio analysis, credit metrics, among others.- Conducting in-depth analysis of loan opportunities across various sectors and geographies.- Performing sensitivity analysis on projections for stress testing loan serviceability.- Identifying deal-specific covenants that can serve as early warning signals while monitoring loans.- Drafting concise and easy-to-read credit reports with key takeaways for credit and risk review.- Conducting detailed industry and market studies to understand the operating environment of borrowers.- Interacting with clients to address data gaps, inconsistencies, and analytical frameworks.Qualifications Required:- Ability to draft credit reports.- Strong financial analysis skills with a thorough understanding of accounting and financial concepts.- Excellent communication skills for interactions with Debt Directors, clients, and stakeholders in the UK and/or US.- Personal attributes such as proactive, flexible, creative, result-driven, responsible, curious, team player, and fast learner.- Minimum of 6 years of relevant experience.- Hands-on attitude with the willingness and capability to understand the big picture.- Ability to thrive in a culture where change and speed are integral to daily work.- MBA/PGDM/CA/CFA from a reputed institute.

Keyskills :
financial analysiscommunication skillsaccountingdrafting credit reports