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Senior Transaction Credit Specialist
3 weeks ago
Job Title: Key Transaction Professional
Key Responsibilities:- Manage and evaluate financial models submitted by the business team.
- Prepare credit notes with accurate information gathered from various sources, including public domains and internal resources.
- Structure transactions in a feasible manner, adhering to internal credit policies and regulatory frameworks.
- Capture critical analysis of business promoters, industries, and financials, as well as specific risks related to particular transactions.
- Adequately articulate risks and respective mitigants, along with sanction conditions and recommendations.
- Prepare detailed transaction structuring assessments with a focus on the assessment part of sought credit facilities.
- Perform thorough financial analyses, addressing major movements in profit and loss statements and balance sheets, while citing precise reasons for variances in accordance with accounting standards.
- Work efficiently with excel-based financial modeling and handle large excel sheets comprising cash flow analyses derived from interlinked sheets.
- Critically evaluate transaction risks, business, financial, and industry risks associated with borrowers and industries involved in given transactions.
- Identify relevant and associated risks and submit appropriate mitigants against each.
- Chartered Accountant certification.
- Post-Graduate degree in Finance stream.
- At least 5-7 years of relevant experience.
- Previous work experience in underwriting, particularly in large or mid-corporate segments, evaluating high-ticket size exposures.
- Proficient in working with excel-based financial modeling.
- Familiarity with handling large excel sheets comprising complex cash flow analyses.
- Ability to critically evaluate transaction risks, business, financial, and industry risks.
- Capacity to identify relevant and associated risks and develop effective mitigants.
Comprehensive knowledge of credit risk management principles and practices is essential for success in this role.