Credit Analyst with Financial Institutions (FI Credit Analyst)

Role & responsibilities

The Financial Institutions team covers the Financial Institutions portfolio across geographies, including Asia, Europe and Americas. As a member of the team, you will:

• Be responsible for independently reviewing and monitoring counterparties within the Financial Institutions portfolio, which includes Banks, Brokers, Central Clearing counterparties, Mortgage Originators, Insurers, and other Financial Institutions. Specifically, you will:
• Write credit reviews recommending credit ratings for counterparties. This includes an evaluation of a counterpartys business model, its credit profile, macro-economic and sector trends, financial analysis, performance vs its peers etc.
• Perform in-depth sector and peer reviews, highlighting key trends, growing risks and possible risk mitigation to be undertaken by the firm.
• Participate in due diligence calls.
• Monitor the performance of counterparties and closely track developments related to a counterparty, industry, economy, regulations, markets etc., which could adversely impact the credit profile. Where necessary, detailed notes with the view/outlook and appropriate risk management action will have to be sent to senior management within the Risk division.
• Assist regional analysts in setting and negotiating credit terms to be included in legal agreements with a counterparty.
• Present at various forums on critical developments
• Set or rationalize credit limits in conjunction with business activity with a counterparty
• Investigate limit excesses by liaising with Front Office, Operations and Exposure Analytics team, to determine the cause and escalate genuine breaches of credit policies
• Analyze stressed exposure under various scenarios and provide commentary on the same.
• Participate in ad-hoc projects related to rating methodology, portfolio monitoring, regulatory requirements etc.

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