Lead Credit Analyst

1 month ago

Bengaluru, India Société Générale Assurances Full time

Lead Credit Analyst - RAI

Asset Management Permanent contract Bangalore, India Reference 24000PZC Start date 2025/02/13 Publication date 2024/11/13

Responsibilities

Job Description – Real Assets and Infrastructure

Role: Lead Credit Analyst (Individual Contributor)

Credit Portfolio Management (CPM) manages GLBA's (Global Banking & Advisory) loan book across geographies with the objective to enhance capital optimization and disciplined portfolio management. We are seeking dynamic and analytical individuals to join our CPM – Real Assets and Infrastructure (RAI) Team, covering diverse business areas including Power, Infrastructure, Mining, Oil & Gas Reserve Base Finance, Leverage Finance, TMT, and Real Estate across AMER, UK and Europe.

Key Responsibilities include:

· Preparing credit applications for Annual Reviews, Semi-Annual / Quarterly Reviews, Amendments & Waivers on counterparties to assess their credit quality and assign ratings.

· Cover key aspects in the reviews including but not limited to Company / Industry Analysis , analysis of sector specific KPIs ; sources of repayment (identify, analyze and qualify); detailed analysis of historical financials , rating proposal, leverage lending calculations, risk & mitigants , financial projections and comparing actual results with Company budget and SG Projections, repayment capacity based on the projections, guarantee / collateral analysis, highlighting Early Warning Signals and watchlist applicability, U nlikeliness t o P ay events and final recommendation with minimum guidance from onshore Team Lead.

· Deep dive into terms & conditions  of the relevant legal documentation ( Credit Agreements for Syndicated and Bilateral facilities, Reimbursement agreements, Guaranties, ISDA, CSA) and identify the underlying risks associated with a transaction. Discuss and recommend changes in the T&Cs as necessary to comply with SG’s risk appetite and policies with minimum onshore involvement.

· Manage RWA parameters of transactions and ensure correct system input.

· Perform ongoing monitoring of client credit quality including but not limited to monitoring covenants, calculating covenant cushions and other early warning signals.

· Assure all 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.

· Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned.

· Be proactive to take up ad-hoc and complex assignments while not impacting the scheduled annual reviews.

· Develop good understanding of SG applications, policies, and processes.

· Assist onshore leads in other portfolio management activities.

Profile required

Skills

· Strong knowledge on financial analysis and understanding accounting (local GAAP and IFRS), legal, and regulatory matters governing relevant sectors.

· Proven experience in project finance / structured finance transactions including but not limited to LTV analysis, cash flow projections, assessment of counterparty’s repayment capacity and strength of the guarantors / collateral; and ability to recommend mitigation strategies with minimum guidance.

· Advanced knowledge of complex financial models in order to assess ongoing viability of the projects. Proven experience in with contracts [including but not limited to Engineering, procurement, and construction (EPC) , Operations and Maintenance (O&M) and Power Purchase Agreements (PPA) ] and legal structures related to project finance.

· Advanced knowledge of various legal agreements (term sheets, Credit Agreements, ISDA & CSA, GMRA, GMSLA, SBLC agreement) and ability to evaluate the strength of the credit terms, financial covenants, security, and collateral.

· Strong knowledge of capital markets / traded products, commercial financing facilities and investment banking products.

· Strong report writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.) to arrive at meaningful recommendations.

· Advanced level proficiency in financial modelling / forecasts for complex structures on various scenarios with minimum guidance from onshore.

· Proficiency in MS Word, MS Excel, MS PowerPoint

· Knowledge of market data tools like Thomson Reuters, Capital IQ, Bloomberg, SNL, etc.

Experience

· 5 to 9 years.

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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