Senior Commercial Credit Analyst

1 week ago


Gurgaon, Haryana, India Crisil Limited Full time

About Crisil Limited

Crisil Limited is a leading provider of credit risk and rating services. We help our clients make informed investment decisions by providing accurate and unbiased credit ratings.

Job Overview

We are seeking an experienced Senior Commercial Credit Analyst to join our team in Portfolio Risk Management. As a key member of our team, you will be responsible for conducting independent reviews of commercial loans to assess their credit quality and adherence to established policies and regulatory guidelines.

Responsibilities

  1. Conduct thorough reviews of commercial loans to evaluate their creditworthiness and compliance with established policies and regulatory requirements.
  2. Analyze borrower-specific information to assess repayment capacity, covenant adherence, legal documentation, and industry risk.
  3. Interpret and apply regulatory feedback and requirements as well as bank policies and credit standards.
  4. Evaluate adherence of reviewed credits to these policies, credit standards, risk limits, and regulatory guidance.
  5. Produce detailed workpapers documenting review findings for internal presentation to management and external presentation to Line of Business partners.

Requirements

  • Bachelor's degree in Finance or Accounting (CA/MBA preferred).
  • 8+ years of experience in loan review of commercial credit with good understanding of risk policies and framework, credit lines, and counterparty credit risk.
  • Strong knowledge of U.S. banking laws and regulations, specifically those which pertain to commercial credit, underwriting, and credit department management.
  • Understanding of credit processes, such as loan origination and underwriting, credit policies, portfolio management, allowance for loan and lease losses, loan review and remediation.
  • Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a plus.
  • Demonstrated experience overseeing and performing loan reviews.
  • Effective communication skills and the ability to interact with all levels of management with limited supervision.

Benefits

We offer a competitive salary range of $120,000 - $180,000 per year, depending on experience. Our benefits package includes medical, dental, and vision insurance, 401(k) matching, and paid time off.



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