Lead Credit Analyst

2 months ago


Bengaluru, India Société Générale Assurances Full time

Lead Credit Analyst - Corporates

Permanent contract|Bangalore|Asset Management

Lead Credit Analyst - Corporates

Bangalore, India Permanent contract Asset Management

Responsibilities

Responsibilities

Preparing credit applications / annual reviews of counterparties to assess their credit quality, recommending appropriate credit limits, obligor rating, terms and conditions that address client credit risk and transaction risk. Assure Annual Reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines. Assure post approval activities and other credit related tasks are completed on time. Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations. Reviewing all relevant legal documentation ( credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SG policies. Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned. Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality including monitoring covenants and watch list triggers. Assist Team Lead in managing workload. Be proactive to take up ad-hoc and complex assignments while not impacting the scheduled annual reviews.

Profile required

4-8 years of relevant experience Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and regulatory issues governing relevant sectors Good understanding of various legal agreements (term sheet, Credit Agreement, ISDA & CSA, GMRA, GMSLA, SBLC agreement) and ability to assess credit terms and conditions, including financial covenants, security and collateral Knowledge of capital markets / traded products, commercial financing facilities and investment banking products Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.) and making a recommendation Ability to prepare financial models / forecasts for various scenarios Ability to complete work with minimal or no supervision and accommodate shifting priorities Proficiency in MS Word, MS Excel, MS PowerPoint Knowledge of market data tools like Thomson Reuters, Capital IQ, Bloomberg, SNL, etc. has context menu

Why join us

We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.


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