Associate, Credit Risk Ii

**Sr. Analyst - Credit Risk
- Banks/ Broker Dealers**

**_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 Sr. Analyst - Credit Risk
- Banks/ Broker Dealers to join our Credit Risk team. This role is located in Pune
- HYBRID

**In this role, you’ll make an impact in the following ways**:
You are a highly collaborative individual, who writes strong Bank and/or Broker Dealer credit proposals, recommends appropriate credit rating to different clients, with a focus to drive overall risk management and business value.

You have a strong sense of ownership and enjoy hands-on work. A quick learner, self-starter, and a team player with an ability to meet deadlines in a fast-paced and dynamic environment. You can prioritise workload as per business needs and respond quickly to urgent requests in a timely manner.

Our values resonate with yours.

Write a well-researched concise credit proposal either for the purpose of an annual review or for a new business deal, which highlights existing and emerging key credit risks and probable mitigants to the risks identified.

Proactively monitor the assigned portfolio and track related client / industry / economic / regulatory news, as well as early warning indicators.

Liaise with functional manager(s) as well as different teams in the organization to submit credit proposals within the agreed timelines.

Manage own workload and volunteer for additional work during peak periods within the Team.

Stay abreast on current developments of the portfolio covered as well as incorporate the same in deliverables.

Maintain BNYM internal control standards. Understand and comply with all relevant policies, guidelines, procedures, and applicable regulatory requirement as issued by the organization.

**To be successful in this role, we’re seeking the following**:
Master’s degree in finance or equivalent / Chartered Accountancy plus International CFA / FRM.

Proven experience in **CAMELS **credit risk assessment / credit underwriting with credit rating agency or captive units of large multinational banks / third-party service providers.

Strong verbal and written communication skills with an ability to write in a concise manner.

Ability to complete deliverables with mínimal or no supervision.

Knowledge and ability to assess credit products, credit terms & conditions and credit documentation, including financial covenants, security, and collateral.

Experience in using market data tools and external resources like S&P Capital IQ, SNL, Bloomberg, Moody’s, and Credit Sights.

**At BNY Mellon, our inclusive culture speaks for itself. Here’s a few of our awards**:

- Fortune World’s Most Admired Companies & Top 20 for Diversity and Inclusion
- Bloomberg’s Gender Equality Index (GEI)
- Best Places to Work for Disability Inclusion, Disability: IN - 100% score
- 100 Best Workplaces for Innovators, Fast Company
- Human Rights Campaign Foundation, 100% score Corporate Equality Index
- CDP’s Climate Change ‘A List’

**Our Benefits**:
BNY Mellon offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life’s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves that can support you and your family through moments that matter. BNY Mellon is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans.

**BNY Mellon is an Equal Employment Opportunity/Affirmative Action Employer. Minorities/Females/Individuals With Disabilities/Protected Veterans.**

**Our ambition is to build the best global team - one that is representative and inclusive of the diverse talent, clients and communities we work with and serve - and to empower our team to do their best work. We support wellbeing and a balanced life, and offer a range of family-friendly, inclusive employment policies and employee forums.