Associate - Credit Risk

Responsibilities:

• Support portfolio Managers - Extensive and in-depth portfolio monitoring; Prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures.
• Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence for stressed loans, monitoring loans for covenants and adherence to credit terms, regulatory reporting, etc.
• Build strong knowledge of the existing clients (including loan documentation for their facilities); regularly track sector and regulatory developments on an on-going basis; continuously monitor the client portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed.
• Develop sound knowledge of Commercial Real Estate and Affordable Housing sectors in North America; as well as understand/ keep yourself regularly updated on the overall Credit Ecosystem - Tools & Applications, Policies, Procedures, Guidelines, Systems required to perform Credit Analysis of CDB Borrowers.
• Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Approvers, Credit Officers, Bankers, etc.
• Contribute to various firm-wide projects focused on improving efficiencies, streamlining processes, risk technology, enhancing risk reporting, regulatory compliance, etc.
• Ad-hoc projects as necessary.

Qualifications: MBAs (with Finance specialization) / CA

• 0-3 years of experience in credit risk; experience in real estate sector is preferred
• Strong understanding of corporate finance and financial statements, including ratio analysis, cash flow analysis, and basic accounting principles
• Good knowledge of various banking facilities/products (such as term loans, counterparty lines, etc.) and their documentation
• Attitude and aptitude to learn and enhance knowledge of credit risk analysis, and passion for real estate sector
• Deadline orientation; strong attention to detail and high accuracy
• Proficient in the use of Microsoft desktop tools (MS Word, Excel and Power Point) and ability to learn AI tools, techniques and applications
• Ability to work proactively & independently, as well as in a team environment
• Strong & Effective communication skills - both verbal & written; and good interpersonal skills to be able to effectively present analysis and build strong relationships with stakeholders

Location: Bengaluru

Work timing: Starts at 1:00 p.m. IST to provide overlap with the US counterparts