Credit Review/ Analysis_BLR

2 weeks ago

Bengaluru, Karnataka, India Acuity Knowledge Partners Full time

Job Title: Credit Review/ Analysis_BLR (Sr Associate/ Delivery Lead/ Manager)

  • Location: Bangalore (work from office)
  • Work hours: 10am to 7pm IST
  • Department: Lending Services
  • Experience Level : 3-12 years
  • 0-2 months' notice candidates preferred due to business need

Job Purpose
We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team.

Key Responsibilities - Credit Review/ Analysis

  • Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc.)
  • Build forecast excel models
  • Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties.
  • Analyzing and spreading the financial statements in Moody's Risk Analyst (MRA) / Credit Lens / client customized templates
  • Analysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal process
  • Going through the supplementary schedules, notes and MD&A for the detailed breakups and adjustments
  • Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures
  • Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios, and other financial metrics
  • Screening the credit agreements and analyzing the financial covenants applicable to the borrower
  • Responsible for delivering 100% quality, meeting strict deadlines and ability to work under pressure
  • Regular communication with the client to ensure the expectations are met
  • Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of large corporates.
  • Managing a portfolio of clients and handling rating assignments.
  • Adhering to standard operating procedure & policies including compliance documentation.
  • Maintaining strong relationship with the client

Key Competencies

  • Strong understanding of credit principles, policies, and regulations
  • MBA (Finance) / CA (CPA equivalent) / CFA
  • Experience of 3-12 years in credit report writing
  • Proven track record of process handling and client management
  • Proficient in Advanced MS Excel
  • Prior experience of working on Moody's Risk Analyst (MRA) is preferred
  • Excellent written and spoken communication skills
  • Experience of working for a US based bank will be an added advantage

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