Lead Credit Analyst

2 weeks ago

bangalore, India Société Générale Assurances Full time

Lead Credit Analyst - Corporates

Permanent contract|Bangalore|Asset Management

Lead Credit Analyst - Corporates

Bangalore, India Permanent contract Asset Management

Responsibilities

As a Lead Credit Analyst in the GLBA/CRE Team, the incumbent is responsible for credit analysis and management of the assigned portfolio and associated credit related tasks:

· Preparing credit applications / annual reviews of counterparties to assess their credit quality, recommending appropriate credit limits, obligor rating, terms and conditions that address client credit risk and transaction risk.

· Assure Annual Reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines.

· Assure post approval activities and other credit related tasks are completed on time, and update trackers / onshore folders on a real time basis.

· Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations.

· Reviewing all relevant legal documentation ( credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SG policies.

· Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned.

· Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality including monitoring covenants and watch list triggers.

· Participate in transformation and process improvement/automation initiatives in the team and contribute towards building/updating SOPs and training materials

· Assist Team Lead in managing workload along with training new joiners and reviewing credit files of junior analysts in the team.

· Be proactive to take up adhoc and complex assignments while not impacting the scheduled annual reviews.

· Help and support new joiners and assist them to come-up the learning curve in credit / transaction assessment, and in developing their understanding of various SG tools, systems and policies.

Profile required

- Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and reulatory issues
governing relevant sectors
- Good understanding of various legal agreements (term sheet, Credit Agreement, ISDA & CSA, GMRA, GMSLA, SBLC
agreement) and ability to assess credit terms and conditions, including financial covenants, security and collateral
- Knowledge of capital markets / traded products, commercial financing facilities and investment banking products
- Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers,
etc.) and making a recommendation
- Ability to prepare financial models / forecasts for various scenarios
- Ability to complete work with minimal or no supervision and accommodate shifting priorities
- Proficiency in MS Word, MS Excel, MS PowerPoint
- Knowledge of market data tools like Thomson Reuters, Capital IQ, Bloomberg, SNL, etc.

Why join us

Why Join us:
We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified
applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or
expression, sexual orientation, national origin, genetics, disability, age, or veteran status”

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