Credit Business Modelling

2 weeks ago

Gurgaon, Haryana, India Evalueserve Private Limited Full time
Job Description

About Corporate and Investment Banking & Investment Research (CIB & IR)As a global leader in knowledge processes, research, and analytics, you will be working with a team that specializes in global market research, working with the top-rated investment research organizations, bulge bracket investment banks, and leading asset managers. We cater to 8 of the top 10 global banks, working alongside their product and sector teams, supporting them on deal origination, execution, valuation, and transaction advisory-related projects.

What you will be doing at Evalueserve

The Lead Analyst will join the Lending Services (Commercial / Corporate / Business Banking) team, working closely with bankers to support credit business modeling and ancillary processes. This role requires a blend of financial modeling, credit research expertise, and team leadership to deliver high-quality outputs:

- Spread and analyze financial statements (Balance Sheet, Income Statement, and Cash Flow Statement) of FIG/BFSI borrowers in a bank-specific financial modeling template
- Analyze key performance indicators (KPIs), Interpret financial ratios (Leverage ratios, Profitability ratios, Valuation Ratios) / key metrics to assess profitability, cost-efficiency, and financial health of borrowers
- Develop and maintain comprehensive financial/credit models (including revenue and expenses model) to assess credit quality
- Identify financial strengths, weaknesses, and potential risks to support lending specialists and credit officers in decision-making
- Deep understanding of banking operations, financial products, and regulatory requirements in the BFSI sector
- Monitor and interpret the impact of events, news, and economic developments on credit quality
- Present findings, analysis, and recommendations, highlighting a borrower's ability to meet obligations
- Mentor and train team members while managing workload allocation and planning
- Prepare and share periodic governance reports and trackers with internal stakeholders and clients
- Address client feedback and implement corrective measures to improve deliverables and processes
- Supervise 2-4 FTEs, ensuring performance and development objectives are met
- Manage client communications, including calls and regular updates
- Write detailed credit reviews, summarizing strengths, weaknesses, liquidity, leverage, cash flow, and coverage metrics will be an added advantage

What were looking for:

Strong experience of financial / credit modeling

Strong knowledge of advanced excel formulas

Strong understanding of financial statements, planning and analysis

Strong understanding of credit research concepts

Familiarity with banking or credit analysis systems such as Moody's Risk Analyst, S&P Capital IQ, or similar platforms

Excellent communication skills to manage client interactions

Excellent interpersonal skills to build strong team culture

Ability to complete team tasks efficiently on schedule

Master's degree with a major in finance, accounting from a reputed institute with 5+ years experience in the similar profile

Experience with Global banking clients is highly preferred

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