Senior Risk Analyst

2 weeks ago


Mumbai Maharashtra India, Maharashtra Crédit Agricole CIB Full time

Summary of the position:Financial and credit analysis and writing of corporate credit filesDetermining risk ratings in the rating toolsIssuing of risk opinion or risk conclusion on the credit requestsParticipation in the Local Credit CommitteesCo-ordinate with Regional and HO risk analyst teamsMonitoring of the economic and financial evolution of clientsMonitoring of global set of credit limits on clients / groupsInteraction with Senior bankers / Relationship Managers on the credit requests and ongoing monitoring of risk exposuresMain duties:Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in co-ordination with senior bankers/ relationship managers for their portfolio and for all business lines relevant to a particular corporate client;Advising senior bankers and business lines on the structuring of the transactions / Group structures / line structure / methodology, during the preparation of the credit application;Determining Risk Ratings in the rating tools (calculation, proposal and validation) for groups and counterparties;Ensuring that the risk strategy elaborated by the senior banker is consistent with the Bank’s risk strategies for the relevant sectors and country;Conducting annual review of credit limits and rating review of counterparties / groups; ensuring that the annual reviews are prepared in a timely manner and that ratings are reviewed by the Bank at least every 12 months;Monitoring of the economic and financial evolution of clients; providing alerts to the head of the Department / management of potential deterioration of risk profiles of borrowers and of critical situations;Monitoring of the global set of limits and exposure on groups / counterparties;Per delegation level, issuing risk opinion or risk conclusion concerning the borrower, the relevant of the proposed transaction, the set up of credit limits and the internal rating; participation to the Local Credit Committee. For credit applications exceeding the local delegation, working in co-ordination with the regional / HO risk analyst teams;Update and capture data in the electronic credit decision workflow systems;Preparing information and data for annual portfolio reviews;Candidate's technical skills:Ability to read and analyse financial statements / balance sheet understanding.Industry / sector knowledge.8-10 years’ experience in corporate risk analysis department of banks / rating agencies.



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