Credit Risk Analyst, AVP

Job Title: Credit Risk Analyst, AVP

Location: Mumbai, India

Role Description

• Managing a loan and derivative portfolio. The loan portfolio predominantly consists of financing both investment grade and sub-investment grade corporates. Typical transactions are complex leveraged loans that include providing liquidity for distressed borrowers, M&A sponsor financing, subordinated holding company structures, share backed financing and commercial real estate lending. Deals can involve significant credit structuring to mitigate downside risks via documentary and collateral protections.
• Responsibilities will also extend to credit analysis and portfolio management of other corporate and FI counterparties. This role will involve managing the portfolio within defined risk parameters, review credit proposals, recommend/approve transactions and negotiate credit related documentation. Products covered include the full spectrum of Commercial Banking facilities and Capital Markets products.

Your key responsibilities

• Represent CRM in conference calls, business meetings and management committees
• Monitor target markets and undertake due-diligence calls and visits
• Develop and implement counterparty specific de-risking strategies
• Responsibility for managing a portfolio of circa 30-40 credit groups
• Support business by providing trade & structuring solutions
• Ensure portfolio quality and documentation standards are maintained
• Monitor market, industry and counterparty developments. Develop and adhere to counterparty as well as industry strategies
• Interact and co-ordinate with other Control and Infrastructure functions within the branch & regionally.
• Contribute to improvements in CRM processes with an aim to raise efficiency

Your skills and experience

• At least 5 years Credit Risk experience preferably within an investment banking credit environment with broad product knowledge
• Experience in risk management for leveraged/structured transactions.
• Strong knowledge of loan documentation and ISDA.
• Good knowledge of principal risk mitigating techniques
• Excellent interpersonal skills and the ability to relate to people at all levels
• Experience in commercial real estate lending and distressed borrowers would be desirable
• Team player attitude and flexibility are essential
• Excellent organizational and administration skills
• Strong written and verbal English skills
• Minimum Undergraduate Degree