AddressAnalyst/Senior Analyst - Commercial Banking Portfolio
Responsibilities:
- 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.
- At least 8 years of 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.
