2199 Credit Analysis Jobs - Page 16

As a Lending Officer at Deutsche Bank in Mumbai, India, you will be a part of a well-established team dedicated to providing customized and standardized liquidity solutions for ultra/high net worth individuals. The team operates across Mumbai, Hong Kong, and Singapore. You will have the opportunity to benefit from our flexible scheme which includes a best in class leave policy, gender-neutral parental leaves, child care assistance benefit, flexible working arrangements, sponsorship for industry relevant certifications, and comprehensive insurance coverage for you and your dependents. Your key responsibilities will involve handling initial financing enquiries and live execution, conducting financial analysis of underlying companies and collateral, preparing transaction write-ups and internal presentations, and assisting in credit approval analysis and risk management queries. Post-transaction tasks include monitoring transaction covenants, amendments, and credit renewal processes. To succeed in this role, you should possess prior experience in credit analysis within the lending business, superior analytical aptitude, problem-solving skills, and excellent communication abilities. A minimum of 6 years of experience in a financial institution in a similar role is preferred. Attention to detail, motivation, and the ability to work collaboratively are essential qualities. You will receive training, coaching, and support to excel in your career, along with a culture of continuous learning and a range of flexible benefits. Deutsche Bank fosters a positive, fair, and inclusive work environment where employees are encouraged to excel together every day. For further information about our company and teams, please visit our website: https://www.db.com/company/company.htm. We welcome applications from all individuals and strive to create a culture of empowerment, responsibility, and collaboration within Deutsche Bank Group.,

You will be responsible for underwriting and managing the portfolio in the assigned branch or location. This involves reviewing and assessing a variety of complex loan applications within specified guidelines, making decisions, or recommending them for approval to higher authorities. You will underwrite proposals according to established policies and procedures to meet agreed service level agreements and manage business volumes in the city or area. Your role will also include conducting personal discussions with customers to determine their creditworthiness, ensuring completion of credit and KYC documents, and conducting verification through telephonic, field, and collateral visits. You will need to assess income to obligation ratios, have a deep understanding of the rationale behind ratio calculations, and comprehend their impact on loan performance throughout the loan tenure. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster, as well as providing regular reports, will be part of your responsibilities. Building and leveraging effective relationships with third parties to achieve optimal outcomes for clients is crucial. You will need to take ownership of client queries, apply industry knowledge and experience to solve problems, exceed service quality standards, and continuously seek process improvements. Furthermore, you will be required to critically review credit proposals to identify industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation measures are in place to support approving authorities in decision-making is essential. Collaborating closely with the sales team, you will enable quick turnaround times for credit lending proposals and conduct ongoing reviews of credit exposures to maintain their bankability. Your role also involves overseeing the credit underwriting function of your branch, ensuring efficient credit lending proposal processing in coordination with local credit analysts and the sales team. Throughout the pre-sanction to post-disbursement phases, you will monitor client and collateral creditworthiness, taking necessary risk mitigation steps while adhering to legal and documentation norms and policies. Educational Qualification: Post Graduate/ Graduate in any discipline,

As an Internal Rating Validation professional at our organization, your primary responsibility will be to assess and validate the credit ratings for corporate, SME, business banking, NBFC, MFI, broker, and bank clients across the bank. This critical role involves conducting a detailed review and understanding of credit aspects such as industry trends, business operations, financial performance, and management quality. You will be required to prepare comprehensive rating rationales and provide justifications for any adjustments made to risk scores. One of your key tasks will be to review deviations from the credit policy of the bank and provide recommendations or comments on all credit proposals presented to the Board level credit committee. Your expertise will be crucial in assessing policy compliance, portfolio risk, and industry prospects to ensure informed decision-making. Additionally, you will have the authority to approve judgemental rating actions based on the delegation matrix. Effective communication and collaboration with various stakeholders, including credit and business teams across different segments such as Large Corporates, Emerging Local Corporates, NBFCs, Brokers, MFIs, Projects, and Small Enterprises, will be essential for success in this role. You will be responsible for resolving internal and external audit queries as well as addressing concerns raised by regulatory bodies like the RBI. Furthermore, you will play a key role in reviewing and recommending the classification of borrowers experiencing financial difficulties. Your expertise will also be instrumental in regularly updating industry risk scores, identifying new industries for evaluation, and staying informed about the latest industry developments through participation in seminars, conferences, client interactions, and engagement with industry databases. In addition to your technical responsibilities, you will be tasked with defining and driving the achievement of goals and key performance indicators for your team members. Your role will involve nurturing talent within the team by providing guidance, feedback, coaching, and development opportunities to help individuals reach their objectives. You will also be responsible for developing a talent pipeline for key roles and mentoring high-potential employees within the organization. Finally, ensuring adherence to processes and working within predefined turnaround times will be essential to maintain operational efficiency and effectiveness in this role. Your commitment to excellence and ability to collaborate with diverse teams will be key to success in this challenging and rewarding position.,

The Corporate Private Credit Ratings Team at Morningstar DBRS in Mumbai is seeking an Analyst to join their Credit Operations Mumbai Analytics team. Morningstar DBRS, a global credit ratings business, is dedicated to facilitating investor success by leveraging cutting-edge technology and setting high standards for the industry. With a global presence and a commitment to clarity, diversity, and responsiveness in the ratings process, Morningstar DBRS is a market leader in various asset classes. As part of the Credit Operations Mumbai Analytics team, you will play a crucial role in delivering credit ratings and information efficiently to the market. As an Analyst in the Corporate team, you will have the opportunity to enhance your analytical skills and gain insights into the credit ratings process. Your responsibilities will include conducting fundamental analysis of corporate borrowers, updating financial models, monitoring news impacting corporate credits, and supporting the global analytical teams in various tasks. Additionally, you will collaborate with stakeholders to provide valuable insights and contribute to the overall ratings value chain. Key Responsibilities: - Develop proficiency in credit analysis and support global analytical teams - Prepare and update financial models, analyze industry data, and assist in research activities - Review and summarize credit and legal documentation - Assist in preparing credit rating memos and rationales - Maintain documentation and operational databases to support the credit rating process - Ensure compliance with regulatory and company policies Requirements: - Masters or Postgraduate in Management (Finance), CA, CFA Level 3, or equivalent qualification - 2-3 years of relevant experience in capital markets or corporate credit analysis - Good understanding of finance and accounting concepts - Knowledge of U.S. GAAP and/or IFRS accounting rules is desirable - Strong quantitative and analytical skills with attention to detail - Fluent in English with excellent communication skills - Highly motivated, self-starter with a positive attitude and strong work ethic - Ability to manage multiple tasks and deliver results timely - Good interpersonal skills and a team player Morningstar DBRS offers a hybrid work model with partial work-from-home options, providing flexibility for employees. As a leading provider of independent rating services globally, Morningstar DBRS empowers investor success through transparency and diversity of opinion in the credit rating industry. If you join the team, you will be required to disclose personal investments for compliance purposes. Morningstar DBRS values collaboration and innovation, offering a dynamic work environment with opportunities for growth and development.,

As a Credit Analyst at SCB GIFT City located in Gandhinagar, Gujarat, your main responsibility will be to grow the business of the branch with a focus on maintaining a good quality portfolio. You will be required to interact with Relationship Managers and clients to gather deal requirements, financial statements, and other necessary inputs for performing quality analysis and due diligence. Working closely with RM/product partners, you will be involved in structuring credit solutions for clients and ensuring the appropriateness of the products. Additionally, you will be responsible for the end-to-end BCA process using tools like Creditlens, RMWB, Raptor, Scorecard, etc., to conduct in-depth risk analysis, make quality presentations, and ensure fast credit approval. In terms of processes, you will monitor the quality of the portfolio by tracking excess/past dues, complying with ASTAR and EAR processes, and ensuring timely submission of quality Quarterly Credit/Performance Reports. You will review reports from various tools like Fraud Risk Analytics, Credit Analytics, monitor risk triggers, covenants, and other credit conditions, and ensure zero BCA and CaRT overdues. Proper maintenance of credit files, attending EAR/Portfolio calls, and liaising with Credit on BCA and other credit issues will also be part of your responsibilities. Furthermore, you will be expected to display exemplary conduct in line with the Group's values and Code of Conduct, take personal responsibility for embedding high ethical standards, and ensure compliance with all applicable laws, regulations, guidelines, and the Group Code of Conduct. You will also be required to engage with audit report findings and ensure feedback is acted upon. In terms of qualifications, you should have substantial experience in the banking industry, including demonstrated success in a similar role, possess sharp business acumen, excellent interpersonal skills, and multi-cultural awareness and sensitivity. Ability to work with geographically dispersed stakeholders and at least 7-8 years of relevant experience in credit analysis are essential. Standard Chartered is an international bank that values diversity, challenges the status quo, and strives to make a positive impact. If you are looking for a purpose-driven career and want to work for a bank that celebrates unique talents and advocates inclusion, we encourage you to join us. Together, we do the right thing, continuously strive to improve, and work collectively to build for the long term. At Standard Chartered, we offer core bank funding for retirement savings, medical and life insurance, flexible working options, proactive wellbeing support, continuous learning opportunities, and an inclusive and values-driven environment that celebrates diversity and respects individual potential. Join us and be part of a team that values difference, advocates inclusion, and works towards driving commerce and prosperity through unique diversity. For more information and to explore career opportunities, visit www.sc.com/careers.,

About the Company Axience is a professional business services firm, established with a credo of delivering Integrated Bespoke Solutions for our clients. We provide high-quality bespoke and boutique style financial and business research services and have established ourselves as a well-regarded research firm delivering value-added and complex work to a strong client base, through a highly capable analyst and management team. Our main office is located in Mumbai (India), along with small capabilities in Dubai (UAE) and Cluj Napoca (Romania). Our Financial Research Team The team supports reputable clients in the financial services industry including private equity and debt funds, investment banks, asset managers, and family offices, among others. Our clients are spread across Europe, the US, and the Middle East. As part of a team working on a variety of long-term and short-term engagements for global financial services firms/investors, you will gain extensive exposure to truly global professional standards. Position: VP / SVP Financial Research A VP / SVP at Axience is hired typically from peer groups or related backgrounds, with one of the key attributes being experience and expertise in areas such as equity/credit analysis (public or private), financial modeling, valuations, and investment report writing. Responsibilities will include (but not be limited to): - Work on projects such as supporting private equity clients in identifying and evaluating investment opportunities; similarly, working with investment banking/corporate advisory clients in pitching investment ideas. - Supporting sell/buy-side equity research clients in initiating coverage, annual/quarterly maintenance of models and reports, sector studies, and various thematic reports. - Work hands-on on complex projects requiring high levels of financial research expertise, as well as guide and supervise analysts. - Manage projects end-to-end from scoping and execution to keeping internal stakeholders updated and communicating directly with the client. - Assist in proposal preparation, work allocation among analyst team, work review, and finalization of deliverables. - Train, mentor, and monitor junior analysts. Academic and professional background: 8+ years of relevant experience for VP and 10+ years for SVP; prior experience of working in KPOs/captive offshore units of international investment banks/brokerage houses will be given preference. Experience in one or more of the following: - Sell/buy-side equity or credit research with highly developed financial modeling and report writing skills. - M&A analysis (for private equity, corporate finance advisory/investment banking clients) company and industry analysis, pitch book/IM/IC memos, financial modeling, valuations. MBA from top-tier colleges with a strong academic record; CFA highly preferred. Required skills: - Exceptional oral and written communication skills (English). - Quantitative analytical skills. - Ability to balance hands-on and hands-off approach. - Should be proactive in prioritizing and organizing tasks to meet deadlines while working on multiple projects. - Superior analytical, interpersonal skills, and ability to dig deeper into problems and suggest solutions. - Ability to work on unstructured situations and projects. Contact Candidates can also send their CV directly to fr.openings2@axience.com with the appropriate subject line, for a faster response. Other Requirements Only Mumbai-based candidates or those that are willing to relocate will be considered.,

About The Role Credit Manager-Working Capital-Credit Bangalore, Karnataka, India JOB DESCRIPTION Job Role :As part of Credit Team for Working Capital Finance "¢ Managing team of Credit Managers "¢ Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) "¢ Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. "¢ Visiting customers for personal discussions and deal structuring "¢ Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained "¢ To evaluate proposals of customers for Home Loans, Loan against Property "¢ Decision making within defined TAT "¢ Understanding of property related aspects (like legal title and market value of the property) is an added advantage "¢ Coordinating with sales, operations, legal, technical and customer service Job Requirements: "¢ Qualification- CA with relevant underwriting experience "¢ Job Knowledge o Technical underwriting experience o Analytical skills "¢ Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

Role & responsibilities : Job Role : CRSS- Financial Spreading & Moody Credit lens Job Location : Bangalore Experience: 3-7yrs(Doers & TL on papers) Shifts: Should be flexible to work in uk/us shifts. Qualification:-MBA Finance/CA/ CFA Notice: Immediate-45 days Job Requirements: Analyzing and spreading the financial statements in Moody's Risk Analyst (MRA) / Credit lens / client customized templates. Analysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal process. Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios and other financial metrics. Screening the credit agreements and analyzing the financial covenants applicable to the borrower Monitor Covenant compliance and reporting. Regards Ishwarya.p

Role & responsibilities Job Description: We are seeking a detail-oriented and analytical Credit Analyst to join our dynamic team at [FIA Technology] . As a Credit Analyst, you will play a critical role in assessing the creditworthiness of potential borrowers, managing risk, and optimizing our lending portfolio. Responsibilities: - Conduct thorough financial analysis of loan applications to assess credit risk and determine creditworthiness. - Utilize advanced credit scoring models and analytical tools to evaluate borrower profiles. - Review and analyze financial statements, credit reports, tax returns, and other relevant documents to make informed lending decisions. - Collaborate with cross-functional teams to develop and implement credit policies and procedures that comply with regulatory requirements. - Monitor existing loan portfolios to identify potential risks and recommend appropriate actions to mitigate losses. - Conduct industry research and stay updated on market trends to inform credit decision-making processes. - Provide recommendations for loan structuring, pricing, and risk mitigation strategies. - Communicate effectively with internal stakeholders and external partners to ensure alignment on credit-related matters. **Requirements:** - Bachelor's degree in Finance, Accounting, Economics, or related field. Master's degree or professional certification (e.g., CFA, FRM) is a plus. - Proven experience as a Credit Analyst in a fintech company, bank, or financial institution. - Strong analytical skills with proficiency in financial statement analysis and credit risk assessment. - Experience working with credit scoring models and underwriting software. Knowledge of regulatory requirements and best practices in credit risk management. - Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams. - Detail-oriented and ability to thrive in a fast-paced, dynamic environment. Preferred candidate profile Only Immediate Joiner / Male candidates Perks and benefits Mobile reimbursement Insurance

Credit Manager-Business Loans-Credit Dehradun, Uttarakhand, India Be the First to Apply Job requirements: Function Credit Card - Credit Role Credit Underwriters Designation M2 Grade CTC 4 Lakhs to 5 Lakhs max (do not disclose the CTC) Experienced Minimum 2 years experience in Underwriting (preferably Credit Cards) Location Goregaon & Thane (candidates staying about an hour max from office location). To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with companys risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

Credit Manager-Business Loans-Credit Dehradun, Uttarakhand, India Be the First to Apply Job requirements: Function Credit Card - Credit Role Credit Underwriters Designation M2 Grade CTC 4 Lakhs to 5 Lakhs max (do not disclose the CTC) Experienced Minimum 2 years experience in Underwriting (preferably Credit Cards) Location Goregaon & Thane (candidates staying about an hour max from office location). To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MISs of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with companys risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

ROLES AND RESPONSIBILITIES Process and validate NR customers credit card application in accordance with bank policies and RBI guidelines End-to end NR credit card processing Coordinate with RM ,credit team, risk team for clarification Handle queries from internal stakeholders and assist in resolutions Maintain high level of accuracy and TAT in processing Verify applicant details ,KYC documentation , and other Specific documents

Job Role Assisting team in day to day tasks and coordinating with RMs for activities related to business. Document collection from client and to ensure completion of all the documents along with signatures and stamps. To ensure documentation is completed with utmost accuracy and to ensure the case is cleared in first pass. Coordinating with the internal teams for documentation to ensure smooth processing of client transactions. To ensure completion of disbursement process of a client will all formalities.

Strong Domain knowledge in Credit. Assessing the Credit Risk basis geography and security offered references and financials as well as facility structure. Proactively developing enterprise-wide risk Management strategies and practices for various HL transactions. Understanding on various operational, legal, technical, market and segment risk practice pertaining to HL Business. Delinquency Management along with business. Works in a fast paced office environment. Expected to travel to Customer locations on short notice to conduct meetings. Open to travel to 2 Locations i.e. Lucknow and Kanpur twice/ thrice in a week.

Location Credit Manager (KCC) Department Crop Loan Location Pune No.of Positions 1 Reporting Relationships AVP Position Grade M3/M4 Should be able to manage credit underwriting for agricultural loans across state for allotted locations Should have agriculture domain knowledge with financial viewpoint. Should be keen on details on proposals and presentation of information for logical conclusions. Should be able to on-board quality portfolio within min. TAT on proposals. Should be able to prepare and analyse various MIS and manage Portfolio quality and post finance issues. Should be able to understand the portfolio behaviour pocket wise/ area wise / segment wise /profile wise to get Right signals in time. Should stay updated on the recent changes in policy and regulatory guidelines ,aware about market developments Should have Ability to lead and coordinate with Marketing and Recovery Teams across Area. Should be able to communicate fluently in regional languages Should be able to guide and motivate the team to set higher standard in sales and assure Quality by in-time inputs and Training. Should be able to ensure the customer satisfaction and customer service from the team across the vertical Excellent written and oral communication skills Should have exposure to Crop Loans, financing experience with reputed organization- Private Banks/ Nationalized banks- Min 2 Years. Graduate - /Post Graduate Preferably Agri Graduate.

Risk Manager Department Kotak Mahindra Bank Ltd Consumer Durables Location Mumbai HO Number of Positions One Reporting Relationship Reporting to Business Head Consumer Durables Business Position Grade M7-M8 Risk management & Portfolio monitoring for Consumer durable loans. Managing Risk containment unit for Consumer businesses Portfolio monitoring and continuous review of Consumer durable, Digital Business finance, Life style business, Personal loan cross sell Improving controllership by way of building strong system Building and automating credit approval engine Support launch of new products with policy & system build and implementation Formulating Risk policy & support to launch Digital product Drive and support initiatives to build scale Rural lending business Qualification MBA and/or Professional Degree preferred Job Knowledge and experience Should have at least 15 years of experience in credit / risk environment Should have at least 6 years of experience in heading risk / credit for a large setup Should have good understanding of CD Business & Retail industry Should be able to drive and work with a Team reporting Should be a Team player, Relationship person and should be ready to travel widely

Role & responsibilities Handling Credit operation from Login to Disbursement. Credit decision making for SF and forwarding proposals. Handling Credit and Operational issues. Monitoring vendors Like Field Investigating agencies, Valuation & Legal agencies for Two Wheeler loans and maintaining TAT. Taking care of audit queries and maintaining good audit score. Preparing MIS, Collection reports on daily basis and Weekly review reports. Assisting customers with queries, requests & complaints. Preferred candidate profile Graduate either fresher or candidates with 1 year experience in Credit Underwriting. Malayalam language is a Must. Knowledge on secured and unsecured loans.

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations Analyst Qualifications: Any Graduation Years of Experience: 3 to 5 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Perform account maintenance services, account closure, deceased customer processing and US legal order processing. What are we looking for Adaptable and flexibleProblem-solving skillsAgility for quick learningAbility to work well in a teamCommitment to quality Roles and Responsibilities: In this role you are required to do analysis and solving of lower-complexity problems Your day to day interaction is with peers within Accenture before updating supervisors In this role you may have limited exposure with clients and/or Accenture management You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments The decisions you make impact your own work and may impact the work of others You will be an individual contributor as a part of a team, with a focused scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Perform account maintenance services, account closure, deceased customer processing and US legal order processing. What are we looking for Commitment to qualityStrong analytical skillsWritten and verbal communicationAdaptable and flexibleAbility to meet deadlines Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

We are looking for a motivated and detail-oriented Loan Advisor to join our team. The Loan Advisor will assist clients in identifying and securing the best loan options based on their needs. This role involves assessing financial eligibility, guiding clients through loan applications, and maintaining relationships with financial institutions to ensure a seamless experience. Key Responsibilities: Assist clients in understanding different loan products, including home loans, personal loans, and business loans. Evaluate client eligibility by analyzing financial documents, credit history, and repayment capacity. Provide clients with tailored loan solutions based on their requirements and budget. Guide clients through the loan application process, ensuring timely submission of necessary documentation. Coordinate with banks and financial institutions to secure approvals and negotiate favorable terms. Address client queries and provide expert advice on interest rates, repayment options, and other financial matters. Maintain an updated database of loan applications and approvals, ensuring compliance with company policies. Key Requirements: Education: Bachelor s degree in Finance, Business Administration, or a related field. 0-3 years of experience in financial advisory, loan processing, or a similar role (freshers with strong communication skills are welcome to apply). Strong understanding of loan products, financial regulations, and credit assessment. Proficient in MS Office and financial management tools. Excellent communication and interpersonal skills to build trust with clients. Preferred Qualifications: Experience working with multiple financial institutions or NBFCs. Knowledge of Kannada and Hindi is an added advantage. Certifications in financial planning or credit analysis will be a plus. What We Offer: Competitive salary and attractive performance-based incentives. Training programs to enhance your knowledge of loan products and the financial sector. Opportunities for career growth and advancement within the organization. A dynamic and supportive work environment that values innovation and customer satisfaction.

Analyst - Corporate (Private Credit Ratings Team) The Team : Morningstar DBRS - Credit Operations Mumbai Analytics The Group: Morningstar DBRS (MDBRS) is a global credit ratings business with about 800 employees in eight offices globally. Formed through the acquisition of DBRS by Morningstar, Inc., the credit ratings business is the fourth-largest provider of credit ratings in the world. Morningstar DBRS is committed to empowering investor success, serving the market through leading-edge technology, and raising the bar for the industry. Morningstar DBRS is a market leader in Canada, the U.S. and Europe in multiple asset classes. Morningstar DBRS rates more than 4,000 issuers and 60,000 securities worldwide, and is driven to bring more clarity, diversity, and responsiveness to the ratings process. Visit: https: / / dbrs.morningstar.com / about to learn more. Credit Operations Mumbai Analytics team enables and supports the efficient and effective delivery of credit ratings/information to the market with its specialized skills and assets, consistent frameworks, and economies of scale. We collaborate with MDBRS global stakeholders to build creative, impactful solutions and offer services for the business and the market. The Role: Morningstar DBRS s Corporate team is looking for a motivated individual with good analytical skills and a desire to learn. This role will provide unique opportunities for learning key aspects of the credit ratings process including in-depth fundamental analysis of Corporate borrowers across multiple industries in support of analysts based in North America & Europe. You will be responsible for providing data, research and financial modeling support utilized to produce company and sector specific credit reports that incorporate creative insights and support activities across the ratings value chain. This position is based in our Navi Mumbai office. Key Responsibilities: Develop an understanding of and build proficiency in credit analysis Provide support to global analytical teams in monitoring news, announcements, or other material events impacting corporate credits Assist in preparing financial models, including, but not limited to, updating financial information, reconciling data, maintain company and peer group historical financial results and credit metrics, etc. Maintain industry data through ongoing research/ review of company filings, presentations, and industry publications Provide research support and help collect, organize, and analyze data from internal and external sources for use in company-specific and industry commentaries and reports authored by the global analytical team Review and summarize credit & legal documentation, etc. Assist the global analytical teams or senior analysts in preparing credit rating memos, rationales, etc. or parts thereof Track, review and maintain documentation and various operational databases to help support the credit rating process Ensure compliance with regulatory and company policies and procedures Requirements: Master s or Postgraduate in Management (Finance) or CA or CFA Level 3 or any such equivalent qualification Minimum of 2-3 years of relevant experience in capital markets, corporate credit analysis, analyzing credit risk of high yield or leveraged loan issuers, etc. or experience in auditing corporate financial statements at a nationally recognized accounting firm with CPA license Good understanding of core finance and accounting concepts Knowledge of U.S. GAAP and/ or IFRS accounting rules is strongly desired Robust quantitative and analytical skills supported by strong attention to detail and accuracy Fluent in English, with good verbal and written communication skills Highly motivated, self-starter who is keen to learn, has a positive attitude and a strong work ethic Ability to manage multiple tasks at the same time and deliver results in a timely manner Good inter-personal skills and ability to participate/ contribute as a team player Morningstar DBRS is an equal opportunity employer. Hybrid model - partial work from home option where employee will from Morningstar s Navi Mumbai offices 3 days a week (subject to change as per organizational directive). About Us Morningstar DBRS is a leading provider of independent rating services and opinions for corporate and sovereign entities, financial institutions, and project and structured finance instruments globally. Rating more than 4,000 issuers and 60,000 securities, it is one of the top four credit rating agencies in the world. Morningstar DBRS empowers investor success by bringing more transparency and a much-needed diversity of opinion in the credit rating industry. Our approach and size allow us to be nimble enough to respond to customers needs in their local markets, but large enough to provide the necessary expertise and resources they require. Market innovators choose to work with us because of our agility, tech-forward approach, and exceptional customer service. Morningstar DBRS is the next generation of credit ratings. If you receive and accept an offer from us, we require that personal and any related investments be disclosed confidentiality to our Compliance team (days vary by region). These investments will be reviewed to ensure they meet Code of Ethics requirements. If any conflicts of interest are identified, then you will be required to liquidate those holdings immediately. In addition, dependent on your department and location of work certain employee accounts must be held with an approved broker (for example all, U.S. employee accounts). If this applies and your account(s) are not with an approved broker, you will be required to move your holdings to an approved broker. Morningstar s hybrid work environment gives you the opportunity to work remotely and collaborate in-person each week. While some positions are available as fully remote, we ve found that we re at our best when we re purposely together on a regular basis, typically three days each week. A range of other benefits are also available to enhance flexibility as needs change. No matter where you are, you ll have tools and resources to engage meaningfully with your global colleagues. R11_DBRSRatingsGmbHIndia DBRS Ratings GmbH, Branch India Legal Entity

Hiring For Banking: Job brief We are looking for a Credit Officer to facilitate lending for our clients by assessing creditworthiness and processing relevant paperwork. Credit Officer responsibilities include preparing loan applications, evaluating clients financial information and calculating risk ratios. To be successful in this role, you should have a good understanding of lending procedures and customer service experience. Ultimately, you will help our clients acquire loans in a timely manner, while ensuring we comply with the law. Responsibilities Review loan requests Assess clients financial status Evaluate creditworthiness and risks Contact clients to gather financial data and documentation Analyze risks and approve or reject loan requests Calculate financial ratios (e.g. credit scores and interest rates) Set up payment plans Maintain updated records of loan applications Follow up with clients about loan renewals Monitor progress of existing loans