![BPO](https://media.trabajo.org/img/noimg.jpg)
Director Credit Risk
1 week ago
Job Purpose and primary objectives:
Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure
Key Roles & Responsibilities
o Experience; in Corporate & Commercial Lending, FIG/Corporate & Investment Banking,
o Self-execute and co-partner with teams to manage end to end credit approval for the designated line of credit.
o Underwrite mid to large corporate loans cases and present to senior level. Credit Decisioning and Credit Risk approvals is the key responsibility.
o Authorize deviations raised and documented by underwriters in compliance with credit policy.
o Prepare, finalize review of credit memos as part of Core Credit Underwriting, and approval/ decline signoffs on every credit memo after checking for documentation requests.
o Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure.
o Sound knowledge of financials, cash flow, leverage & liquidity analysis, credit quality, assigned value risk analysis.
o Knowledge of internal rating rationale, projections and credit recommendations
o Ability to forecast and prepare Base Case Financial Projections, Potential
o Downside financial case projections models adjusting recessionary trends, counterparty specific risks and adjustments.
o Risk Modelling - Base Case Scenario, Recessionary Case Scenario, Risk Models and Projections for income, cash flow for risk rating and judging repayment capacity and risks
o Ability to weigh macro and company factors for risk analysis and recommendations.
o Understand Client performance received from customers as well as benchmarking data and publicly available information
o Knowledge of industry and sectors and impact of macroeconomic environment
o Identify timely risk mitigating actions to protect bank and support the customer
o Link credit assessment to primary and secondary sources of repayment
o Question the need for sector and company analysis to evaluate debt servicing ability
o Assess the ability of the debt to meet the commercial needs.
o Debate the purpose of borrowing, the risks, and the expected structure of the debt
o Knowledge of any one Financial Spreading tools: Moody's Risk Analyst, FIS Optimist, Credit lens or allied spreading tools
- Supervisory / Managerial responsibilities (please specify if the position will have persons reporting to it):
Independent contributor/Quality/Training/Administrative
Stakeholder interactions with business/onshore counterparts
Knowledge & Skills Needed
o Relevant experience within a financial institution (analyzing corporate client's risk, insights and credit); Relevant Knowledge and understanding of FIG, Corporates, Middle Market Financing Products
o Underwriting & Credit Decisioning/ Credit approval authority for Corporate Loans is a must.
o Strong knowledge on Global accounting standards - IFRS, US GAAP Accounting and classification/ International Financial Reporting Standards (10-K, 10-Q, SEC / SEDAR / FRC Filings, Press Release and Investor Presentation etc.)
o Ability to understand private and public limited corporation structure, reporting and classification of financial segments and key credit assessment ratios / parameters
o Sound knowledge of parent and subsidiary exposure, debt structure, operating model and ownership structures
o Strong Knowledge of MS Office Spreadsheet and formulas
Strong Ability to handle seasonal peaks and dynamic changes in workflow
Experience required:
o 8-15 years of relevant experience; in Corporate Banking, FIG/Corporate & Investment Banking with Credit Decisioning Specialist or Approval of Corporate Lines of Credit
o Credit Underwriting, Credit Risk Management and understanding of financial statement, Credit Review, Credit Risk Analysis / Underwriting is must; Quality Focused and has performed quality and data analytics
o Risk Modelling - Base Case Scenario, Recessionary Case Scenario, Risk Modeling and Projecting cash flow for risk rating and judging repayment capacity and risks
o Good understanding of Cash flow statement analysis, Income Statement Analysis and Balance Sheet to analyze Credit Quality, Liquidity, Leverage and Coverage etc. Ability to interpret and highlight risks and early warning signals
-
Director Credit Risk
1 day ago
Bengaluru, India Visa Full timeDirector, (Credit Risk / Collateral)- Bangalore, India- Full-time- Job Family Group: RiskCompany DescriptionVisa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our...
-
Director Credit Risk
4 weeks ago
Bengaluru, India Visa Full timeDirector, (Credit Risk / Collateral)Bangalore, IndiaFull-timeJob Family Group: RiskCompany DescriptionVisa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is...
-
Director Credit Risk
3 weeks ago
Bengaluru, India Visa Full timeDirector, (Credit Risk / Collateral) Bangalore, India Full-time Job Family Group: Risk Company Description Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our...
-
Director Credit Risk
3 weeks ago
Bengaluru, India Visa Full timeDirector, (Credit Risk / Collateral)Bangalore, IndiaFull-timeJob Family Group: RiskCompany DescriptionVisa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is...
-
Director Credit Risk
3 weeks ago
Bengaluru, India Visa Full timeDirector, (Credit Risk / Collateral)Bangalore, IndiaFull-timeJob Family Group: RiskCompany DescriptionVisa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is...
-
Director Credit Risk
1 week ago
Bengaluru, India BPO Full timeJob Purpose and primary objectives:Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structureKey Roles & Responsibilitieso Experience; in Corporate & Commercial Lending, FIG/Corporate &...
-
Director Credit Risk
1 week ago
Bengaluru, Karnataka, India BPO Full timeJob Purpose and primary objectives:Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structureKey Roles & Responsibilitieso Experience; in Corporate & Commercial Lending, FIG/Corporate &...
-
Director Credit Risk
1 week ago
Bengaluru, India BPO Full timeJob Purpose and primary objectives: Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure Key Roles & Responsibilities o Experience; in Corporate & Commercial Lending,...
-
Director Credit Risk
3 hours ago
Bengaluru, India BPO Full timeJob Purpose and primary objectives: Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure Key Roles & Responsibilities o Experience; in Corporate & Commercial Lending, FIG/Corporate &...
-
Avp Credit Risk
2 weeks ago
Bengaluru, India Time Hack Consulting India Full time**About the Company**: A fintech company based out of Bangalore and started in 2016. Our vision is to uncomplicate loans and give faster access to our users. We have a wide range of products from personal loans to wedding loans, vehicle loans, education loans, etc. We are a profitable fintech company looking to scale 10X in the next 3 years. **Role and...
-
Chaitanya India Fin Credit
2 months ago
Bengaluru, India Chaitanya India Fin Credit Pvt. Ltd Full timeWe are looking for Credit Risk Manager with having certification of FRM Level 1 or 2. Or Knowledge in Credit risk is must or Market Risk Job Monitoring portfolio distribution, concentration, and segmental risk.- Monitor portfolio performance and risks emanating from the same across product, geography, program etc.- Monitoring Portfolio risk through...
-
Chaitanya India Fin Credit
3 weeks ago
Bengaluru, India Chaitanya India Fin Credit Pvt. Ltd Full timeWe are looking for Credit Risk Manager with having certification of FRM Level 1 or 2. Or Knowledge in Credit risk is must or Market Risk Job Monitoring portfolio distribution, concentration, and segmental risk.- Monitor portfolio performance and risks emanating from the same across product, geography, program etc.- Monitoring Portfolio risk through...
-
Avp Wholesale Risk
1 week ago
Bengaluru, India Credit Saison Full timeAbout Credit Saison: A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate.Across our verticals, we offer bespoke solutions to meet the various - credit needs of Individuals, SMEs,...
-
Credit Risk Management
1 week ago
Bengaluru, Karnataka, India Talent500 Full timeRole Title - Credit Risk Management – Treasury ManagerJob Grade 11Company - New Healthcare BusinessThe Impact You Will Make in this Role:As a Credit Risk Management – Treasury Supervisor Lead, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world.Here, you will make...
-
Credit Risk Management
1 week ago
Bengaluru, Karnataka, India Talent500 Full timeRole Title Credit Risk Management – Treasury ManagerJob Grade 11CompanyNew Healthcare BusinessThe Impact You Will Make in this Role:As a Credit Risk Management – Treasury Supervisor Lead, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world.Here, you will make an...
-
Credit Risk Management
1 week ago
Bengaluru, Karnataka, India Talent500 Full timeRole Title - Credit Risk Management – Treasury Manager Job Grade 11 Company - New Healthcare Business The Impact You Will Make in this Role: As a Credit Risk Management – Treasury Supervisor Lead, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world. Here, you...
-
Credit Risk Associate
2 weeks ago
Bengaluru, India JPMorgan Chase & Co Full time**JOB DESCRIPTION** About CB Risk India**: The Commercial Banking Risk India team is part of the Credit Risk function for Commercial Bank at J.P. Morgan. Commercial Banking Risk India works closely with the in-country Bankers and Credit Executives and provides them with in-depth credit risk analysis of clients; as well as recommendations on risk grades. CB...
-
Credit Risk Associate
2 weeks ago
Bengaluru, India JPMorgan Chase & Co Full time**JOB DESCRIPTION** About Commercial Banking Risk India**: The Commercial Banking Risk India is part of the Credit Risk function for Commercial Bank at J.P. Morgan and works closely with the in-country Underwriters and Credit Executives and provides them with in-depth credit risk analysis of clients; as well as recommendations on risk grades. **Role**:...
-
Credit Risk
1 week ago
Bengaluru, Karnataka, India JPMorgan Chase Bank, N.A. Full timeAs a Credit Risk Associate, you help the firm manage the risk in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. You will be conducting credit analysis of Corporate clients including portfolio management in the Middle Markets team in...
-
Credit Risk Associate
2 months ago
Bengaluru, India JPMorgan Chase Bank, N.A. Full time**About Commercial Banking Risk India**:The Commercial Banking Risk India is part of the Credit Risk function for Commercial Bank at J.P. Morgan and works closely with the in-country Underwriters and Credit Executives and provides them with in-depth credit risk analysis of clients; as well as recommendations on risk grades. **Role**:Associate for conducting...