Associate, Credit Risk Ii

**Associate, **_Credit Risk II _**

**_Bring your ideas. Make history. _**
BNY Mellon offers an exciting array of future-forward careers at the intersection of business, finance, and technology. We are one of the world's top asset management and banking firms that manages trillions of dollars in assets, custody and/or administration. Known as the “bank of banks” - 97% of the world’s top banks work with us as we lead and serve our customers into the new era of digital.

With over 238 years of rich history and industry firsts, BNY Mellon has been built upon our proven ability to evolve, lead, and drive new ideas at every turn. Today, we’re approximately 50,000 employees across 35 countries with a culture that empowers you to grow, take risks, experiment and be yourself. This is what #LifeAtBNYMellon is all about.

We’re seeking a future team member for the role of **Associate II **to join our **_Credit Risk _**. This role is located in **Pune.**

**Key responsibilities include**:

- With moderate guidance, assists with risk management efforts for the assigned credit risk focus, such as Credit Analysis & Approval/Portfolio Management, Operational Credit Risk, Country Risk or Credit Administration.
- Helps with the development of documentation and reporting. Helps to improve each team's adherence to the risk management strategy of the assigned credit risk discipline.
- Primary duty for each discipline is as follows: Credit Analysis & Approval/Portfolio Management: With moderate guidance, assists with analyses of industry, country and counter party credit portfolios and credit portfolio quality.
- Interact with portfolio managers, as needed.
- May underwrite credit transactions and monitor portfolios for certain industries.Operational Credit Risk: With moderate guidance, assists with the completion of numerous credit processing and assessment activities, including credit analysis, underwriting, borrower re-rating and transaction review for intraday credit. Country Risk: With moderate guidance, assists with the assessment and grading of credit quality for the assigned small, standard country.
- Tracks the fiscal condition of sovereigns and to draft preliminary ratings for country borrowers. Assist with the preparation of standard country risk assessments and integration of assessments into portfolio management for the organization's overall credit risk.
- Credit Administration: With moderate guidance, assists with credit reviews or credit submissions and other related administrative activities and operations for the various credit portfolios. Assist with the preparation of credit proposals, gathering documentation and financial spreads.
- Audits credit proposals and confirms credit approvals are in compliance with policies.
- Gaining more experience with credit systems, such as the credit borrower rating system and credit approval system.
- May be involved in analyzing and preparing adhoc and standard reporting for the credit risk portfolios.
- Community Reinvestment Act/Appraisal: With moderate guidance, assists with the identification of the appropriate balance of investments, loan commitments and community activities to align with CRA corporate goals.
- Reviews real estate appraisals for commercial and residential properties, as directed. Check appraisal policies and procedures for consistency with the Bank's risk appetite and for compliance with various standard regulatory requirements.
- Under direct supervision, contributes to analyses of existing and proposed legislation, regulatory announcements and industry practices that are applicable to the assigned credit risk discipline.
- Reviews work with more senior professionals.
- Assists with the assessments of the effectiveness of current Credit Analysis & Approval/Portfolio Management, Operational Credit Risk, Country Risk or Credit Administration risk identification and mitigation projects.Assists with the completion of industry, country and/or counter party credit quality analyses for the assigned credit risk discipline.
- Begins to build familiarity with regional differences.
- No direct reports.
- Contributes to the achievement of Credit Analysis & Approval/Portfolio Management, Operational Credit Risk, Country Risk or Credit Administration team objectives. Modified based upon local regulations/requirements.

**What you’ll need**:

- Bachelor‘s degree or related technical discipline, or the equivalent combination of education and experience is required.
- 3-5 years of total work experience preferred.
- Prior experience/background in credit risk preferred. In addition, may require the following experience/skills based on primary duties:

- Discipline Requirements:Credit Analysis & Approval/Portfolio Management: Ability to assist with the management of diverse lending, operating products, attendant risk, foreclosure, bankruptcy and/or OREO assets.
- Operational Credit Risk: Experience as an underwriter and assisting with the management of rap