Credit analyst (commercial lending).
To access the creditworthiness of the large corporate borrowers for an UK based commercial bank.
The candidate should possess a reasonable knowledge of the processes related to the first time credit appraisal of corporates/SMEs, and that of monitoring such loans on a continuous basis.
Candidate who are working for corporate loans/SME division of banks, or are working at a BPO and are closely involved in these processes will be given preference.
The candidate should have hands on experience in carrying out tasks like credit appraisals, finalizing risk ratings, preparing or writing narratives/credit notes for credit approvals and ongoing monitoring.
The candidate should demonstrate an excellent understanding of the financial statements of the corporates. Experience in handling/monitoring private company/SMEs will be an added advantage.
Should demonstrate appropriate understanding of the broad drivers that guide various sectors in which the borrowers operate. Ability to forecast the financials of the borrowers, based on the operational and industrial data, will be an added advantage.
Should have reasonable knowledge of covenants as laid down by the loan agreements.
The candidate should possess a highly analytical mind with an eye for detail, as well as a very high level of attention to detail.
The candidate should possess understanding of various data sources like SEC website, Moodys, S&P, D&B, etc.