Associate, Credit Risk Ii

**Associate,**Credit Risk** II (AS2) - Pune**

At BNY, our culture allows us to run our company better and enables employees’ growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world’s investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide.

Recognized as a top destination for innovators, BNY is where bold ideas meet advanced technology and exceptional talent. Together, we power the future of finance - and this is what #LifeAtBNY is all about. Join us and be part of something extraordinary.

We’re seeking a future team member for the role of **Associate** II** to join our **Credit Risk**team. This role will be based in **Pune.**

**In this role, you’ll make an impact in the following ways**:

- Engage in deep dive credit analysis to understand business performance and provide concise credit underwriting papers and recommendation to approvers.
- Partnering with colleagues in credit risk team to prepare credit analysis paper comprising of:

- Comprehensive fundamental analysis (P&L, B/S, C/F and Liquidity),
- Analyzing transaction structure for all product categories,
- Review of the counterparty’s strategy and its business risk,
- Researching industry dynamics, global economic conditions, and competitive environment,
- Identification and evaluations of repayment sources, including collateral valuation,
- Proposing borrower risk rating using bank’s internal model based on financial and economic data.
- Ensure adherence to deadlines for deals and timely completion of error-free annual reviews.
- Proactively monitoring the assigned portfolio by tracking the industry / economic / regulatory development, counterparty related news, and other early warning indicators.
- Liaising with various internal and external stakeholders.
- Understand and comply with all relevant policies, guidelines, procedures and applicable regulatory requirement as issued by the Group.
- Maintain BNY internal control standards. Need to implement the Group Compliance Policy, as applicable to the role.
- Complete all the mandatory trainings on time and ensure no compliance breach of data security, confidentiality, and requirements related or personal trading policies.
- Adhering strictly to compliance and operational risk controls in accordance with BNY policies.
- Depending on the experience, skill, and competence, he or she can be given additional responsibilities.

**To be successful in this role, we’re seeking the following**:

- Degree of MBA Finance / CA / Postgraduate in Finance + CFA (International) / FRM, with 1-3yrs of hands-on-experience in credit research / analysis / underwriting of banks/broker dealers with large MNC banks / captive unit of a large multinational bank / credit rating agencies.
- Strong verbal and written communication skills with the ability to clearly articulate well-reasoned underwriting proposals for credit approval.
- Ability to come up the learning curve faster and adapt & implement new concepts and ways of working.
- A self-starter with the ability to meet deadlines in a fast-paced and dynamic environment.
- Ability to interpret credit documents to assess credit terms & conditions, including financial covenants, security, and collateral.
- Knowledge of capital markets / traded products and commercial financing facilities.
- Ability to complete work with mínimal or no supervision and meet stringent timelines.
- Understanding of internal rating methodologies and legal agreements (term sheet, ISDA & CSA).
- Stay abreast of current developments and trends in assigned sector and demonstrate it through knowledge sharing presentations at least once in a year.
- Knowledge of market data tools and external resources like S&P Capital IQ, SNL, Bloomberg, Moody’s, and Credit Sights etc.
- Handle stakeholder questions/complaints efficiently and turns mistakes into learning opportunities.
- Maintains a professional image by always being available to take care of deliverables.
- Manage fair workload and volunteer for additional work during peak periods.
- Pro-active, “Can Do” attitude, understanding that taking the initiative is utmost important.
- Self-starter & team player with positive, proactive, and open attitude.
- Ability to priorities workload and respond quickly to urgent requests.
- Innovative team player with demonstrated ability of working as part of a robust team.

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