Job Details

• Provide timely credit analysis - client's industry, risk aspects, competitive position, mgmt strength, balance sheet, cash flows etc
• Ensure alignment with the bank's credit policy and procedure
• Complete Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards, ESRA, FM A&S & GWWR checklist
• Test and monitor Covenants & Risk Triggers
• Submit EAR & ASTAR reporting/updates to credit
• Prepare country specific regulatory check-lists (where applicable)
• Proactively manage portfolio & allocation of limits
• Evaluate risks associated with particular proposed transactions, where required.
• Work with RMs to manage RWA, identify underutilized limits
• Prepare timely Stress Tests wherever required
• Provide support on Regulatory stress tests conducted annually
• Prepare specific industry study
• Ensure satisfactory Audit completion, both internal and regulatory
• Ensure timely and accurate submission of Regulatory Returns / Data
• Work on specific request from custody for limits (only FI specific)
• Prepare Credit Opinion reports wherever required
• Ensure timely submission of quality Quarterly Credit Reports
• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
• Ensure Zero BCA over dues
• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries
• Attend EA/Portfolio call/MTM calls along with the Senior/ Banker/ Client Manager
• In partnership with the Senior/Banker/Client Manager, ensure timely identification of accounts to be put in EA as per the bank's policies and guidelines

• Sound knowledge of accounting and financial principles gained by experience or qualification
• Credit background preferred
• Relevant language skills advantageous.

Reference ID - GH/BFSI/JC//14082018//77700/Credit Analyst