Credit Specialist

2 days ago

Mumbai, Maharashtra, India beBeeRisk Full time ₹ 1,36,25,000 - ₹ 2,48,37,000
Job Overview:

Credit professionals are in high demand as companies seek to mitigate financial risks and ensure business continuity.

About the Role:

The Risk Division plays a crucial role in protecting the Bank's assets by managing and controlling credit market operational and reputational risks.

The team has a unique vantage point, enabling them to take a holistic view of the Bank's businesses and clients.

With nearly 4,000 employees working together, the division strives to become an industry-leading risk management organisation.

Risk management is becoming increasingly important in today's complex environment, making it a highly sought-after career path in the banking world.

Key Responsibilities:
  • Accurately and timely analyze counterparties' creditworthiness, including corporates and FIs, based on their business model, financial statements, cash flow models, forecasts, and peer analysis.
  • Prepare rating reports and credit reviews for senior members' approval.
  • Participate in live trades with onshore credit officers, understanding trade dynamics, providing recommendations, and completing credit write-ups addendums.
  • Monitor assigned international portfolios, assessing the impact of rating changes, market developments, news events, and other factors on credit worthiness, while considering the Bank's exposure.
  • Understand various banking products, including trade finance and derivatives, and credit documentation.
  • Support onshore KCPs with checks and credit reviews.
  • Monitor limits exposure, update limit amendments, and maintain credit relevant data in the credit system.
  • Clear excess tickets in a timely manner.
  • Regularly discuss covenants with KCPs.
  • Manage personal credit portfolio and assist senior decision makers in making informed decisions based on recommendations.
  • Interface with credit officers, KCPs, and stakeholders to ensure complete understanding of the Bank's exposure and timely completion of credit reviews.
  • Participate in ad-hoc projects related to portfolio exercises, regional exercises, regulatory developments, sector notes, audit exercises, and support onshore KCPs for business strategies.
  • Ensure compliance with local and global regulatory and policy requirements.
What We Offer:
  • Training and development opportunities to excel in your career.
  • Coaching and support from experts in your team.
  • A culture of continuous learning to aid progression.
  • Flexible benefits that can be tailored to suit individual needs.
About Us:

We strive for a workplace where everyone is empowered to excel together every day.

This includes acting responsibly, thinking commercially, taking initiative, and working collaboratively.

Together we share and celebrate the successes of our people.

We welcome applications from all people and promote a positive, fair, and inclusive work environment.

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