Credit Review/ Analysis - (Sr Associate/ Delivery Lead/ Manager)

Acuity Knowledge Partners

4 - 10 years

10 - 14 Lacs

Gurugram

Posted:1 month ago| Platform:

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Skills Required

risk assessment project management engagement management documentation delivery leadership program management advanced ms excel excel pmp people management skills delivery management compliance writing leadership agile communication skills

Work Mode

Work from Office

Job Type

Full Time

Job Description

Weare looking for a dedicated and motivated individual who has strong technical,analytical and organizational skills for our Lending Services team.

Key Responsibilities- Credit Review/ Analysis

Preparing creditreports (annual/quarterly reviews) by including profile of the counterparty,key rating considerations, credit risk assessment, (including financial peer analysis, rating rationale, outlook etc.)
Build forecast excelmodels
Analyzing thebusiness model, identifying strengths, weakness, risks, understanding therevenue models and the corporate structure of the counterparties.
Analyzing andspreading the financial statements in Moodys RiskAnalyst (MRA) / CreditLens /client customized templates
Analysis of financialstatements including Income statement, Balance Sheet cash flow of publicprivate companies for the credit appraisal process
Going through thesupplementary schedules, notes and MDA for the detailed breakups andadjustments
Normalizing thefinancial statement for exceptional and non-recurring items to arrive at thetrue profitability figures
Calculating theAdjusted Net Worth, Recurring Cash Flows, Annual Debt Service, ContingentLiabilities, Custom Ratios, and other financial metrics
Screening the creditagreements and analyzing the financial covenants applicable to the borrower
Responsible fordelivering 100% quality, meeting strict deadlines and ability to work underpressure
Regular communicationwith the client to ensure the expectations are met
Analyzing financialstatement, performance, and trend analysis for assessing the credit worthinessof large corporates.
Managing a portfolioof clients and handling rating assignments.
Adhering to standardoperating procedure policies including compliance documentation.
Maintaining strongrelationship with the client

Key Competencies

Strong understanding of credit principles,policies, and regulations
MBA (Finance) / CA (CPA equivalent) / CFA
Experience of 3-12 years in credit reportwriting
Proven track record of process handling andclient management
Proficient in Advanced MS Excel
Prior experience of working on Moodys RiskAnalyst (MRA) is preferred
Excellent written and spoken communicationskills
Experience of working for a US based bankwill be an added advantage

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