Credit Associate

Position Summary

Responsibilities And Duties

• Evaluate and Assign Credit Ratings: Evaluate the creditworthiness of new and existing clients and counterparties by analyzing financial statements, preparing risk rating scorecards, and recommend credit ratings and exposure limits.
• Earnings Snapshots and Credit Reports: Prepare concise earnings summaries and detailed credit reports by analyzing financial statements, highlighting key performance metrics, and assessing creditworthiness to support underwriting decisions.
• Portfolio Monitoring: Monitor and update credit portfolio tracker, develop industry specific scorecard template, conduct comprehensive review of assigned credit ratings, and manage credit owned data points in Salesforce.
• Support Senior Analysts: Assist senior analysts in gathering data and relevant information for credit assessments. Collaborate closely with team members to ensure the accuracy and completeness of information.
• Ad-Hoc Projects: Participate in ad-hoc tasks such as update daily benchmark rate files, conduct benchmark analysis, and process enhancement, and other credit-related tasks.
  

Time Spent Performing Duty

• Evaluate and Assign Credit Ratings: 40%
• Earnings Snapshots and Credit Reports: 30%
• Portfolio Monitoring: 15%
• Support Senior Analysts and Ad-Hoc Projects: 15%
  

Required Abilities And Skills

• Strong understanding of financial statements and key financial ratios.
• Ability to understand and articulate credit fundamentals.
• Ability to identify potential risk issues that need escalation.
• Good communication skills including the ability to build relationships.
• Strong attention to detail, result-oriented, curious, and proactive with an ambition to grow.
  

Education And Experience

• A master’s degree in finance.
• 0-2 years of experience in credit risk management.
• Proficient with MS Office (Word and Excel) and Bloomberg.
• Prior internship or coursework in finance, risk management, or related fields is a plus.
  

Travel

The Perks!

• Equity plan participation
• Medical and Personal Accident Insurance
• Support on Hybrid working – Equipment and Relocation
• Flexible Time Off
• Continuous Learning
• Annual bonus, subject to company and individual performance