Associate II, Credit Risk Risk & Compliance
We re seeking a future team member for the role of Associate II to join our Credit Risk Risk & Compliance team. This role is located in Pune, MH HYBRID.
In this role, you ll make an impact in the following ways:
- Engage in deep dive credit analysis to understand the business performance of banks/broker dealers and provide concise credit underwriting papers and recommendation to credit approvers.
- Partnering with colleagues in Credit Risk team to prepare credit analysis paper comprising of:
- Comprehensive fundamental analysis (Capitalization, Management, Earnings, Liquidity, and Sensitivity to Market Risk)
- Review of the counterparty s strategy and its business risk
- Researching industry dynamics, global economic conditions and competitive environment
- Recommending borrower risk rating based on financial and economic data
- Ensure adherence to deadlines for new deals and timely completion of error-free annual reviews
- Proactively monitor the assigned portfolio by tracking industry / economic / regulatory development, counterparty related news, and other early warning indicators.
- Liaising with various internal and external stakeholders.
- Depending on experience, skill and competence, he or she can be given additional responsibilities.
To be successful in this role, we re seeking the following:
Functional Skills:
- Strong understanding of banks/broker dealers financial statements.
- Candidate with 4-5 years experience in credit rating / research / analysis / underwriting with large MNC banks / captive unit of a large multinational bank / credit rating agencies.
- Strong verbal and written communication skills with the ability to clearly articulate well-reasoned underwriting proposals for credit approval.
- Ability to come up the learning curve faster and adapt & implement new concepts and ways of working.
- A self-starter with the ability to meet deadlines in a fast-paced and dynamic environment.
- Ability to interpret credit documents to assess credit terms & conditions, including financial covenants, security and collateral.
- Knowledge of capital markets / traded products and commercial financing facilities.
- Ability to complete work with minimal or no supervision and meet stringent timelines.
- Good understanding of internal rating methodologies and legal agreements (term sheet, ISDA & CSA).
- Knowledge of market data tools and external resources like S&P Capital IQ, Moody s, and Credit Sights etc.
- Ability to guide early career analysts and suggest process improvement ideas to leadership.
Behavioral Skills:
- Handle stakeholder questions/complaints efficiently and turn mistakes into learning opportunities.
- Maintains a professional image by always being available to take care of deliverables.
- Manage fair workload and volunteer for additional work during peak periods.
- Pro-active, Can Do attitude, understanding that taking the initiative is utmost important.
- Self-starter & team player with positive, proactive and open attitude.
- Ability to prioritize workload and respond quickly to urgent requests.
- Innovative team player with demonstrated ability of working as part of a robust team.
- Understand and comply with all relevant policies, guidelines, procedures and applicable regulatory requirements as issued by BNY.
- Maintain BNY internal control standards. Adhere to implement the Group Compliance Policy, as applicable to the role.
- Complete all the mandatory training courses on time and ensure no compliance breach of data security, confidentiality related or personal trading policies.
- Adhering strictly to compliance and operational risk controls in accordance with BNY policies.
Educational Requirements:
- MBA Finance / CA / Postgraduate in Finance + CFA (International) / FRM
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