Analyst - Credit Risk / Commercial Lending

9 hours ago

Gurgaon, Haryana, India NLB Services Full time ₹ 10,00,000 - ₹ 15,00,000 per year

- Commercial Credit

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Experience -

-Evaluate financial performance of companies /borrower / guarantor / commercial real estate asset

class based on a variety of factors including past and current performance, management projections and

market changes over the period.

-This would include review of various financial statements, such as balance sheet, income statement,

cash flows, and statement of changes in equity.

  • Perform market research using various third-party applications and compare performance of borrowing

entity against market data to draw conclusion of overall performance.

  • Determine appropriate risk rating, both qualitative and quantitative based on performance during the review time period and compare it against bank's credit guidelines.

  • Document and synthesize findings based on above mentioned reviews into a credit report which would be for presented to lending officers and / or approval committees.

  • Quality check of work performed by junior team members and provide appropriate feedback on the

same.

  • Training & mentoring junior colleagues along with reviewing, checking & overseeing and undertaking

workload planning as well.

  • Understand the feedback received from the onshore team members and disseminate the same to the team.

  • MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post-

graduation in Economics.

  • overall commercial credit experience across diversified asset class (includes

corporate entities and real estate asset class).

  • Good knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance).

-Knowledge of credit products like BLOC, Revolving credit facility, Auto Floor Plan line of credit, commercial mortgage, term facilities, subordinated notes etc.

  • Working experience on credit lens, LoanIQ, Salesforce - nCino, scorecard models etc.

Please share your cv

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