Associate, Credit Risk II

Associate,

Credit Risk

II (AS2) – Pune

Associate

II

Credit Risk

Pune.

In this role, you’ll make an impact in the following ways:

• Engage in deep dive credit analysis to understand business performance and provide concise credit underwriting papers and recommendation to approvers.
• Partnering with colleagues in credit risk team to prepare credit analysis paper comprising of:
• Comprehensive fundamental analysis (P&L, B/S, C/F and Liquidity),
• Analyzing transaction structure for all product categories,
• Review of the counterparty’s strategy and its business risk,
• Researching industry dynamics, global economic conditions, and competitive environment,
• Identification and evaluations of repayment sources, including collateral valuation,
• Proposing borrower risk rating using bank’s internal model based on financial and economic data.
• Ensure adherence to deadlines for deals and timely completion of error-free annual reviews.
• Proactively monitoring the assigned portfolio by tracking the industry / economic / regulatory development, counterparty related news, and other early warning indicators.
• Liaising with various internal and external stakeholders.
• Understand and comply with all relevant policies, guidelines, procedures and applicable regulatory requirement as issued by the Group.
• Maintain BNY internal control standards. Need to implement the Group Compliance Policy, as applicable to the role.
• Complete all the mandatory trainings on time and ensure no compliance breach of data security, confidentiality, and requirements related or personal trading policies.
• Adhering strictly to compliance and operational risk controls in accordance with BNY policies.
• Depending on the experience, skill, and competence, he or she can be given additional responsibilities.
  

To be successful in this role, we’re seeking the following

• Degree of MBA Finance / CA / Postgraduate in Finance + CFA (International) / FRM, with 1-3yrs of hands-on-experience in credit research / analysis / underwriting of banks/broker dealers 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.
• Understanding of internal rating methodologies and legal agreements (term sheet, ISDA & CSA).
• Stay abreast of current developments and trends in assigned sector and demonstrate it through knowledge sharing presentations at least once in a year.
• Knowledge of market data tools and external resources like S&P Capital IQ, SNL, Bloomberg, Moody’s, and Credit Sights etc.
• Handle stakeholder questions/complaints efficiently and turns 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 priorities workload and respond quickly to urgent requests.
• Innovative team player with demonstrated ability of working as part of a robust team.
  

Here’s a Few Of Our Recent Awards

• America’s Most Innovative Companies, Fortune, 2025
• World’s Most Admired Companies, Fortune 2025
• “Most Just Companies”, Just Capital and CNBC, 2025
  

Our Benefits And Rewards