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Credit Analyst

2.00 to 5.00 Years   Hyderabad   22 Mar, 2020
Job LocationHyderabad
EducationNot Mentioned
SalaryNot Disclosed
IndustryEducation / Training
Functional AreaStatistics / Analytics
EmploymentTypeFull-time

Job Description

Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.Work with RM and product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.Work with the RM in:Obtaining all pre clearances like ER negativity, segmentation, etc;Preparing & presenting work-shopping note; andExpediting approvals.Responsible for end-to-end BCA process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.Liaise with Credit / GAM / RAM / FAM on BCA and other credit issues and ensure quick turnaround on queries.Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country Portfolio Standard checklist, Temasek check, other special reporting requirements, etc.Evaluate the environmental and social risks for the client using the Environmental and Social Risk Assessment Tool (ESRAT).Work with RM to calculate and monitor overall RoRWA at account level.Coordinate and prepare for GCC meetings.Liaise with GAM Credit for limit approval / allocation.Market, industry & client research (ROC Searches, annual statements, credit rating etc).Reference check / market check - buyers, suppliers, competitors & lenders & to be documented by way of call report / file note.Legal & compliance liaising and preparing term sheets for lending products.Post Deal Account monitoringMonitor quality of the portfolio by tracking weekly excess / past dues and strictly complying with ASTAR / EAR process.Ensure timely submission of quality Quarterly Credit Reports.Monitor risk triggers, covenants and other credit conditions and report appropriately.Ensure zero BCA over dues.Work with RM and CCM to ensure the proper maintenance of credit files and ensuring audit readiness at any time.Work with RM and CCM to follow up audit issues.Attend EAR / MTM calls along with the RMs.In partnership with the RM, ensure timely identification of accounts to be put in EAR as per the bank s policies and guidelines.Preparing the Initial Downgrade Report (IDR) for transferring accounts to GSAM.OthersPrepare timely stress tests wherever requiredPrepare specific industry studyPrepare credit opinion reports wherever required.Effective use of Creditmate & CRM,

Keyskills :
credit banking financialstatements risk finance termsheets musicmaking creditrating riskassessment qualityanalysis quickturnaround reportingrequirements ndepthanalysis

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