Commercial Banking Risk - Middle Market - Credit Risk Associate

As a Credit Risk Associate in the Commercial banking Middle market team, you help the firm manage the risk in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. You will be conducting credit analysis of Corporate clients including portfolio management in the Middle Markets team in Commercial Banking division. We are in Bangalore and work with North America based Clients. Our work culture is all about thinking outside the box, challenging the status quo, and striving to be best-in-class. If you are passionate about risk management, building stakeholder relationships and taking charge of your career development, you may be the perfect fit for our team.

Job responsibilities

• Manage own client portfolio - prepare credit analysis on assigned clients - covering macro-overview, industry/sector, business, financials, projections modelling and recommend changes to credit ratings and amendments to facilities. Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence, etc.
• Assist in negotiating of the credit terms along with senior credit officers and take lead in finalizing documentation (credit agreements and amendments)
• Support due diligence on capital market transactions for clients.
• Work closely with Approvers/ Senior Credit Officers in North America on new to bank client activities such as evaluating prospects, onboarding new clients and new facilities, actively provide recommendations on deal structuring.
• Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Officers, Bankers, Middle Office, etc.
• Engage junior team members in deals for support and review their work.
• Develop strong working knowledge and track clients/sectors related to diversified industries on an on-going basis.
• Ensure governance, reporting and data quality requirements are met and maintained for client and client families.
• Support ED/VPs in driving projects at LoB level - trainings, internship, recruitment, etc.

Required qualifications, capabilities, and skills

• Post graduate degree
• Minimum 5 years of experience in credit risk analysis with 2 years of experience in managing clients
• Ability to work independently as well as in a team environment
• Strong communication & interpersonal skills; ability to effectively present analysis and build positive relationships with global stakeholders
• In depth understanding of financial statements, including ratio analysis, cash flow analysis and accounting standards
• Excellent academic record, strong grasp of corporate finance concepts and application, close attention to detail and accuracy
• Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies
• Proficient in the use of MS Word, Excel and PowerPoint