123 Ratio Analysis Jobs

The incoming resource will be expected to work on detailed financial models and draft credit reports. You should possess strong financial analysis concepts and communication skills. You will be responsible for developing detailed financial models including transaction details, financial statement analysis, projections, ratio analysis, and credit metrics. Additionally, you will conduct a thorough analysis of loan opportunities across various sectors and geographies. Conducting sensitivity analysis on projections for stress testing on loans for serviceability will be an important part of your role. It will also be your responsibility to identify deal-specific covenants that can act as early warning signals while monitoring loans. Drafting credit reports with key takeaways in a concise and easy-to-read format for credit and risk review and comment will be essential. You will also need to conduct detailed industry and market studies to understand the operating environment of the borrower. Interacting with clients to discuss data gaps, inconsistencies, and analytical frameworks is also part of the job. Desired Skills: - Ability to draft credit reports - Strong financial analysis skills with a thorough understanding of accounting and financial concepts - Strong communication skills for interacting with Debt Directors, clients, and other stakeholders in the UK - Personal drive, flexibility, creativity, result-driven mindset, responsibility, curiosity, team player, and fast learner - Hands-on attitude and willingness to understand the big picture - Ability to thrive in a culture where change and speed are part of daily work - MBA/PGDM/CA/CFA from a reputed institute with 2-4 years of relevant work experience.,

The incoming resource will be expected to work on detailed financial models and draft credit reports. We are looking for candidates with strong financial analysis concepts & communication skills. Job Responsibility Developing detailed financial model comprising transaction details, financial statement analysis, projections, ratio analysis, credit metrics, amongst others Conducting detailed analysis of loan opportunities across various sectors in different geographies Conducting sensitivity analysis on projections for stress testing on loans for serviceability Identifying deal specific covenants which can act as early warning signals while monitoring loans. Drafting credit reports with key takeaways on opportunity; report has to be concise, easy to read format for credit and risk to review and comment. Detailed industry/market studies to understand operating environment of borrower. Interacting with clients to discuss data gaps, inconsistencies, analytical frameworks etc. Desired Skills Ability to draft credit reports. Strong financial analysis thorough understanding of accounting / financial concepts Strong communication skills interacting with Debt Directors, clients & other stakeholders in UK. Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, curious, team player and fast learner. Hands on attitude, willing/capable to understand the big picture. Ability to succeed in a culture where change and speed are part of daily work. MBA/PGDM/CA/CFA from a reputed institute with 2-4 years of relevant work experience. Show more Show less

As a Credit Analyst at Auswide Pvt. Ltd., you will be responsible for analyzing financial statements, conducting credit risk assessments, and preparing detailed credit reports for new and existing clients. Your role will involve collaborating with internal teams to evaluate loan proposals and ensure compliance with company credit policies and regulatory guidelines. Your key responsibilities will include analyzing balance sheets, income statements, and cash flow reports to evaluate client creditworthiness. You will be expected to identify potential credit risks, prepare comprehensive credit reports, and monitor client credit profiles for early warning signals. Collaborating with loan officers, risk management, and legal teams will be crucial in making informed credit decisions. In addition to your financial analysis skills, you will need to possess expertise in utilizing credit scoring tools such as CIBIL, Equifax, or Experian. Your familiarity with accounting standards like GAAP or IFRS, and your ability to conduct industry research to evaluate external factors influencing creditworthiness will be essential for success in this role. Apart from technical skills, soft skills such as strong analytical abilities, attention to detail, effective communication, and ethical judgment are highly valued. Your proficiency in tools like MS Excel for financial modeling, credit rating platforms, ERP systems, CRM tools, and financial databases will be required to excel in this position. This is a full-time job opportunity with benefits including provided food and health insurance. The role requires you to be located in Mohali, Punjab, and proficiency in English is a must. If you are looking for a challenging role that involves in-person work and offers opportunities for professional growth in the finance industry, we encourage you to apply for this position.,

You will be responsible for collating financial data from various sources and organizing it into an accessible format for the preparation of financial statements and reports. Additionally, you will be expected to perform various types of analysis using key metrics such as yearly growth, return on assets, return on equity, and earnings per share. Your role will also involve reviewing all non-legal pertinent information about companies and studying a company's financial data for the preparation of transaction data, ratios, and taxation perspective. This is a full-time and permanent position suitable for fresher candidates. The work schedule is during the day shift with the possibility of a performance bonus. The ideal candidate should preferably have a Bachelor's degree and at least 1 year of total work experience. The work location will be in person.,

At dsm-firmenich, being a force for good is not optional. Diversity, Equity & Inclusion is a shared responsibility woven into our daily work to benefit our People, Customers & Communities and drive business value. Equal access to opportunities is a given, belonging is a shared feeling, authenticity is celebrated. The responsibilities of the role include analyzing potential/existing customers" financial statements, recommending risk mitigation strategies, and conducting end-to-end credit worthiness assessments. The role also involves approving credit limit assessments and monitoring geopolitical and economic developments for risk mitigation at a Country Level. Collaboration among teams and contributing to achieving team KPIs are also key aspects of this role. The ideal candidate should have a Master's degree in finance, in-depth knowledge of financial statements, ratio analysis, and variance analysis. Knowledge of external service providers like Moodys, Dun & Bradstreet, and systems like SAP and S4Hana is preferred. Strong English communication skills, 4 years of experience in complex credit risk assessments, and proactive problem-solving abilities are required. Experience in working with SAP/FSCM/S4Hana systems is desirable. At dsm-firmenich, you will work with a diverse team that values innovative thinking, global collaboration, personal growth, and brand building. The company offers a supportive environment where employees are empowered to share ideas and thrive. Interested candidates can apply online by uploading their resume in English via the career portal. For more information, contact Kubra Ali Khan, Talent Acquisition at kubra.ali-khan@dsm-firmenich.com. dsm-firmenich is committed to providing equal opportunities and promoting inclusion in the workplace. Recruitment practices are inclusive and fair, aiming to build a diverse workforce representative of the communities we serve. Selection is based on qualifications, competency, experience, and fit with the team to ensure fair and equitable opportunities. The company is dedicated to providing reasonable support for disabled applicants during the recruitment process. If you require assistance and are comfortable sharing this information, please let us know. As innovators in nutrition, health, and beauty, dsm-firmenich reinvents, manufactures, and combines vital nutrients, flavors, and fragrances to help the world's growing population thrive. With a global presence and a diverse team of employees, the company works towards creating essential, sustainable, and desirable solutions for consumers worldwide. Please note that this is a direct search led by dsm-firmenich, and applications are accepted only from candidates directly, not from agencies or subject to agency fees.,

Join our digital revolution in NatWest Digital X In everything we do, we work to one aim To make digital experiences which are effortless and secure, So we organise ourselves around three principles: engineer, protect, and operate We engineer simple solutions, we protect our customers, and we operate smarter, Our people work differently depending on their jobs and needs From hybrid working to flexible hours, we have plenty of options that help our people to thrive, This role is based in India and as such all normal working days must be carried out in India, Job Description Join us as a Senior Analyst In this crucial role, youll work with business management in assessing business performance using various measures including customer satisfaction, revenue and capital efficiency Well look to you to support senior originators in building and maintaining the business with target client base This is a fantastic opportunity to hone your skills since you will be developing domain expertise in the businesses, supported through trainings, self-development and internal rotation Your normal working shift will be from 12:30pm to 21:30pm, although we may need you to be flexible at times and this role is for Senior Analyst level What you'll do As a Senior Analyst for the bank, you will be supporting the effective management of transactions to make sure that all activities are in line with the banks policies covering conduct, operational, credit, and regulatory risks, Additionally, youll be preparing analysis, pitching materials, term sheets, post-transaction reviews and other documentation to support origination activities Youll also be assisting with client deep dives, navigating the sales coverage teams and gathering feedback from internal client touchpoints, Your day-to-day activities will be: Preparing pitch-books including investor presentations, analysing market dynamics, identifying market trends, generating trade ideas and other marketing materials Tracking US and European markets and preparing market update slides on investment grade, high yield and leveraging loan markets Writing weekly market commentary for circulation to clients, updating and maintaining internal databases such as transaction issuance, investor order books, pricing analysis, deal reviews Analysing key financials and preparing peer comparison tables, including spreads and yield analysis and generating trade ideas and identifying arbitrage opportunities The skills you'll need To succeed in this role, youll need to be an MBA in Finance or hold a CA, CFA, FRM qualification Youll have working knowledge of financial databases like Bloomberg, Intex, Reuters, Factset and Dealogic with an excellent understanding of financial statements, including profit and loss, balance sheet and cash flow statement, Additionally, it will be an advantage if you have already worked in US markets and hold corporate finance or equity research experience, along with knowledge of various debt products and markets Youll have strong communication and interpersonal skills with the ability to build relationship with key stakeholders, Youll also demonstrate: At least one year's experience in credit rating covering corporate clients in the US or EMEA market Experience of working in a daily cash management, fixed income, investment banking or credit research analytics function supporting the debt business Knowledge of investment banking and credit related products Strong knowledge of ratio analysis, key drivers for various sectors, pitch books and basic financial modelling Expertise in Microsoft Office Excellent analytical and numerical skills as well as strong problem solving and logical thinking skills Show

About The Role Skill required: Property & Casualty- Underwriting Support - Underwriting Designation: Underwriting New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 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 insurers redefine their customer experience while accelerating their innovation agenda to drive sustainable growth by transforming to an intelligent operating model. Intelligent Insurance Operations combines our advisory, technology, and operations expertise, global scale, and robust ecosystem with our insurance transformation capabilities. It is structured to address the scope and complexity of the ever-changing insurance environment and offers a flexible operating model that can meet the unique needs of each market segment.Define Insurance policy and calucating premium including terms and condition for P*CA process by which investment bankers raise investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. Underwriting services are provided by some large specialist financial institutions, such as banks, insurance or investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee. What are we looking for The process begins with a thorough assessment of operational performance, organizational structure, and revenue streams. This is followed by an in-depth analysis of credit ratings, financial strategy, and market risks. A comprehensive understanding of M&A implications, regulatory compliance, ownership structures, and stock performance is essential in identifying both financial strengths and vulnerabilities.This role demands a high level of financial expertise, positioning it as a niche and highly specialized field. Professionals in this domain integrate financial analysis, risk assessment, and regulatory compliance to evaluate a companys efficiency, profitability, and overall financial health.Candidates must possess proficiency in financial statement analysis, ratio analysis, and due diligence to ensure accurate risk assessments. Expertise in US GAAP compliance, industry-specific regulations, and macroeconomic trends is crucial for evaluating financial stability. Additionally, strong technical skills in Excel (including financial modeling and data analysis), and data visualization platforms like Power BI are essential for supporting data-driven decision-making. Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

About The Role Skill required: Property & Casualty- Underwriting Support - Underwriting Designation: Underwriting Senior Analyst Qualifications: Any Graduation Years of Experience: 5 to 8 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 insurers redefine their customer experience while accelerating their innovation agenda to drive sustainable growth by transforming to an intelligent operating model. Intelligent Insurance Operations combines our advisory, technology, and operations expertise, global scale, and robust ecosystem with our insurance transformation capabilities. It is structured to address the scope and complexity of the ever-changing insurance environment and offers a flexible operating model that can meet the unique needs of each market segment.Define Insurance policy and calucating premium including terms and condition for P*CA process by which investment bankers raise investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. Underwriting services are provided by some large specialist financial institutions, such as banks, insurance or investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee. What are we looking for The process begins with a thorough assessment of operational performance, organizational structure, and revenue streams. This is followed by an in-depth analysis of credit ratings, financial strategy, and market risks. A comprehensive understanding of M&A implications, regulatory compliance, ownership structures, and stock performance is essential in identifying both financial strengths and vulnerabilities.This role demands a high level of financial expertise, positioning it as a niche and highly specialized field. Professionals in this domain integrate financial analysis, risk assessment, and regulatory compliance to evaluate a companys efficiency, profitability, and overall financial health.Candidates must possess proficiency in financial statement analysis, ratio analysis, and due diligence to ensure accurate risk assessments. Expertise in US GAAP compliance, industry-specific regulations, and macroeconomic trends is crucial for evaluating financial stability. Additionally, strong technical skills in Excel (including financial modeling and data analysis), and data visualization platforms like Power BI are essential for supporting data-driven decision-making. Roles and Responsibilities: In this role you are required to do analysis and solving of increasingly complex problems Your day to day interactions are with peers within Accenture You are likely to have some interaction with clients and/or Accenture management You will be given minimal instruction on daily work/tasks and a moderate level of instruction on new assignments Decisions that are made by you impact your own work and may impact the work of others In this role you would be an individual contributor and/or oversee a small work effort and/or team Please note that this role may require you to work in rotational shifts Qualification Any Graduation

About The Role Skill required: Property & Casualty- Underwriting Support - Underwriting Designation: Underwriting 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 insurers redefine their customer experience while accelerating their innovation agenda to drive sustainable growth by transforming to an intelligent operating model. Intelligent Insurance Operations combines our advisory, technology, and operations expertise, global scale, and robust ecosystem with our insurance transformation capabilities. It is structured to address the scope and complexity of the ever-changing insurance environment and offers a flexible operating model that can meet the unique needs of each market segment.Define Insurance policy and calucating premium including terms and condition for P*CA process by which investment bankers raise investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. Underwriting services are provided by some large specialist financial institutions, such as banks, insurance or investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee. What are we looking for The process begins with a thorough assessment of operational performance, organizational structure, and revenue streams. This is followed by an in-depth analysis of credit ratings, financial strategy, and market risks. A comprehensive understanding of M&A implications, regulatory compliance, ownership structures, and stock performance is essential in identifying both financial strengths and vulnerabilities.This role demands a high level of financial expertise, positioning it as a niche and highly specialized field. Professionals in this domain integrate financial analysis, risk assessment, and regulatory compliance to evaluate a companys efficiency, profitability, and overall financial health.Candidates must possess proficiency in financial statement analysis, ratio analysis, and due diligence to ensure accurate risk assessments. Expertise in US GAAP compliance, industry-specific regulations, and macroeconomic trends is crucial for evaluating financial stability. Additionally, strong technical skills in Excel (including financial modeling and data analysis), and data visualization platforms like Power BI are essential for supporting data-driven decision-making. 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

About The Role Skill required: Property & Casualty- Underwriting Support - Underwriting Designation: Underwriting 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 insurers redefine their customer experience while accelerating their innovation agenda to drive sustainable growth by transforming to an intelligent operating model. Intelligent Insurance Operations combines our advisory, technology, and operations expertise, global scale, and robust ecosystem with our insurance transformation capabilities. It is structured to address the scope and complexity of the ever-changing insurance environment and offers a flexible operating model that can meet the unique needs of each market segment.Define Insurance policy and calucating premium including terms and condition for P*CA process by which investment bankers raise investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. Underwriting services are provided by some large specialist financial institutions, such as banks, insurance or investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee. What are we looking for The process begins with a thorough assessment of operational performance, organizational structure, and revenue streams. This is followed by an in-depth analysis of credit ratings, financial strategy, and market risks. A comprehensive understanding of M&A implications, regulatory compliance, ownership structures, and stock performance is essential in identifying both financial strengths and vulnerabilities.This role demands a high level of financial expertise, positioning it as a niche and highly specialized field. Professionals in this domain integrate financial analysis, risk assessment, and regulatory compliance to evaluate a companys efficiency, profitability, and overall financial health.Candidates must possess proficiency in financial statement analysis, ratio analysis, and due diligence to ensure accurate risk assessments. Expertise in US GAAP compliance, industry-specific regulations, and macroeconomic trends is crucial for evaluating financial stability. Additionally, strong technical skills in Excel (including financial modeling and data analysis), and data visualization platforms like Power BI are essential for supporting data-driven decision-making. 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

Responsibilities: * Conduct financial analysis using balance sheet, ratio & statement methods * Collaborate with cross-functional teams on strategic planning initiatives * Prepare financial reports for management review

The job involves working on detailed financial models and drafting credit reports. Candidates are required to have a strong understanding of financial analysis concepts and excellent communication skills. The role may involve working independently or as a team lead with 2-4 analysts, depending on experience and alignment with team needs. Responsibilities: - Analyzing loan opportunities across various sectors and geographies - Creating concise and easy-to-read credit reports with key insights for review by credit and risk teams - Developing detailed financial models including transaction details, financial statement analysis, projections, ratio analysis, and credit metrics - Conducting sensitivity analysis for stress testing on loan serviceability - Identifying deal-specific covenants as early warning signals for loan monitoring - Conducting industry and market studies to understand borrower's operating environment - Interacting with clients to address data gaps, inconsistencies, and analytical frameworks Desired Skills: - Thorough understanding of accounting and financial concepts - Experience of 6+ years in relevant roles - Strong communication skills for interaction with Debt Directors, clients, and stakeholders in the UK and/or US - Proactive, flexible, creative, result-driven, responsible, curious, team player, and fast learner - Hands-on attitude with the ability to understand the big picture - Adaptability to a fast-paced work culture with a focus on change and speed - MBA/PGDM/CA/CFA qualification from a reputable institute,

You will be responsible for quick turnaround on NTB and new deal proposals in the Retail Banking area. Ensure that the BCA Quality is maintained by keeping overdue BCAs within a 5% threshold. Minimize the number of Credit reverts to no more than 1 referback per BCA and focus on Portfolio Control. Downgrade to GSAM < 90 days in EAR should be Nil. Maintain an overall satisfactory audit grade and demonstrate 100% commitment to the code of conduct. Timely completion of mandatory e-learnings is essential. Display exemplary conduct and adhere to the Groups Values and Code of Conduct. Take personal responsibility for upholding the highest standards of ethics, including regulatory and business conduct. Ensure compliance with all applicable laws, regulations, guidelines, and the Group Code of Conduct. Lead to achieve the outcomes set out in the Banks Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] Identify, escalate, mitigate, and resolve risk, conduct, and compliance matters effectively and collaboratively. Serve as a Director of the Board and act in accordance with the authorities delegated by the Board of Directors. Work closely with RM and Credit as key stakeholders for effective communication and collaboration. The ideal candidate should possess skills in Credit Analysis, Ratio Analysis, Deal Structuring, Risk Identification and Mitigation, Customer Delight, Policy, and Compliance. Standard Chartered is an international bank that values making a positive difference for clients, communities, and employees. They encourage challenging the status quo and finding new opportunities for growth. If you are looking for a purpose-driven career and want to contribute to a bank that makes a difference, Standard Chartered would like to hear from you. Standard Chartered offers core bank funding for retirement savings, medical and life insurance, with additional flexible and voluntary benefits in some locations. Employees are entitled to annual leave, parental/maternity leave (20 weeks), sabbatical (up to 12 months), and volunteering leave (3 days). There are flexible working options based on home and office locations, along with proactive wellbeing support, continuous learning opportunities, and an inclusive and values-driven work environment.,

Role: Financial Planning & Analysis Min 3+ Years experience in FP&A Hands on experience in Budgeting, Forecasting, Ratio Analysis, Cost analysis, Variance Analysis, financial modeling. Managing onshore stakeholders Good Communications & Presentation Skills Immediate joiners preferred WFO 5 Days Working Shift: EMEA/ US/ ANZ Shift Location: Navi Mumbai (Vikhroli)/ Bangalore/ Gurugram Call Anumeha @ 6376649769 Send resume to anumeha@manningconsulting.in

The incoming resource will be expected to work on detailed financial models and draft credit reports. You are required to have strong financial analysis concepts and communication skills. Your responsibilities will include developing detailed financial models, conducting analysis of loan opportunities, performing sensitivity analysis on projections for stress testing, identifying deal-specific covenants, drafting concise credit reports, conducting industry/market studies, and interacting with clients. Desired Skills: - Ability to draft credit reports. - Strong understanding of accounting and financial concepts. - Strong communication skills for interaction with Debt Directors, clients, and other stakeholders in the UK. - Personal attributes like proactiveness, flexibility, creativity, result orientation, responsibility, curiosity, teamwork, and fast learning. - Hands-on attitude with the ability to comprehend the big picture. - Capability to thrive in a dynamic work environment that values change and speed. - MBA/PGDM/CA/CFA from a reputed institute with 2-4 years of relevant work experience.,

Job Responsibilities Independently prepare credit risk analysis reports on assigned clients (business financial analysis and focusing on credit issues) - for middle market clients (clients with exposure less than $5mm). Recommend rating grades based on analysis for the clients. Quality check work delivery for junior analysts in the team. Understand various techniques and methods of credit analysis, accounting treatments, financial adjustments, firm s credit related policies, etc. Develop and maintain open communication channels with Underwriters. Independently handle all calls/rating discussions with Underwriters and Credit Executives. Build strong knowledge of credit analysis for clients. Stakeholder management - Build strong relationships and maintain open communication channels with Credit Officers and Credit Executives Required Qualification, Experience and Skills MBAs (with Finance specialization) / CAs with 4-5 years of experience in credit risk Excellent academic record; experience in credit risk Strong grasp of corporate finance concepts and their application Understanding of the financial statements, including ratio analysis, cash flow analysis, and basic accounting standards Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies Strong communication skills both oral and written; ability to effectively present analysis and interact with global credit bankers Deadline orientation; close attention to detail and accuracy Proficient in the use of MS Word, Excel and Power Point Ability to work proactively independently as well as in a team environment Strong interpersonal skills, ability to build positive relationships with Underwriters/ RMs

As a Credit Risk Associate in the Commercial banking Middle market team, you help the firm manage the risk in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. You will be conducting credit analysis of Corporate clients including portfolio management in the Middle Markets team in Commercial Banking division. We are in Bangalore and work with North America based Clients. Our work culture is all about thinking outside the box, challenging the status quo, and striving to be best-in-class. If you are passionate about risk management, building stakeholder relationships and taking charge of your career development, you may be the perfect fit for our team. Job responsibilities Manage own client portfolio - prepare credit analysis on assigned clients - covering macro-overview, industry/sector, business, financials, projections modelling and recommend changes to credit ratings and amendments to facilities. Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence, etc. Assist in negotiating of the credit terms along with senior credit officers and take lead in finalizing documentation (credit agreements and amendments) Support due diligence on capital market transactions for clients. Work closely with Approvers/ Senior Credit Officers in North America on new to bank client activities such as evaluating prospects, onboarding new clients and new facilities, actively provide recommendations on deal structuring. Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Officers, Bankers, Middle Office, etc. Engage junior team members in deals for support and review their work. Develop strong working knowledge and track clients/sectors related to diversified industries on an on-going basis. Ensure governance, reporting and data quality requirements are met and maintained for client and client families. Support ED/VPs in driving projects at LoB level - trainings, internship, recruitment, etc. Required qualifications, capabilities, and skills Post graduate degree Minimum 5 years of experience in credit risk analysis with 2 years of experience in managing clients Ability to work independently as well as in a team environment Strong communication & interpersonal skills; ability to effectively present analysis and build positive relationships with global stakeholders In depth understanding of financial statements, including ratio analysis, cash flow analysis and accounting standards Excellent academic record, strong grasp of corporate finance concepts and application, close attention to detail and accuracy Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies Proficient in the use of MS Word, Excel and PowerPoint

Financial Statement preparation both stand alone and consolidated BS, P&L ,Cash flow statements & notes to a/c as per IND AS & IFRS. Coordination with statutory auditors.Ratio Analysis.Preparation of presentation for Audit Committee, Board meeting

Are you seeking an exciting opportunity to contribute to Credit Risk at the Commercial Bank(CB) Risk India (CRI), a part of the Credit Risk function for Commercial Bank (CB) at J.P. Morgan CRI collaborates closely with in-country Underwriters and Credit Executives, offering detailed credit risk analysis of clients and providing recommendations on risk grades for CB clients in North America. As a Credit Risk Analyst, your responsibilities will include independently preparing credit risk analysis reports for middle market clients, recommending rating grades based on analysis, and overseeing the work delivery of junior analysts in the team. You will need to develop a strong understanding of credit analysis techniques, maintain open communication channels with Underwriters, and engage in rating discussions with Underwriters and Credit Executives. In addition to stakeholder management, you will be expected to build a solid knowledge base of credit analysis for clients and establish strong relationships with Credit Officers and Credit Executives to ensure effective collaboration and communication. The ideal candidate for this role should possess an MBA or CA with a Finance specialization and 4-5 years of experience in credit risk. A strong academic background and experience in credit risk are essential, along with a solid grasp of corporate finance concepts and their practical applications. Proficiency in financial statements analysis, including ratio analysis, cash flow analysis, and basic accounting standards is required. Additionally, you should have the aptitude to learn credit analysis techniques, sectors, and global economies, coupled with excellent communication skills (both oral and written) to effectively present analysis and engage with global credit bankers. Attention to detail, deadline orientation, proficiency in MS Word, Excel, and PowerPoint, proactive work approach, and ability to work independently as well as in a team environment are crucial for this role. Strong interpersonal skills and the ability to build positive relationships with Underwriters and Relationship Managers are also key attributes for success in this position.,

Role & responsibilities Deliver classroom-based sessions in Navi Mumbai or Pune (based on location preference) Conduct structured lessons aligned with the CFA Level 1 curriculum and Financial Modeling syllabus Provide conceptual clarity, real-world examples, and hands-on Excel training Clarify student doubts during and after sessions Track student progress and provide feedback Collaborate with the MentorMeCareers team to ensure high-quality delivery Occasionally conduct assessments, mock exams, or interview prep workshops Preferred candidate profile For CFA Level 1 Trainer: Passed CFA Level 2 or Level 3 (preferred) Strong grip over Ethics, Quantitative Methods, FRA, Equity, and Portfolio Management Prior teaching or mentoring experience preferred For Financial Modeling Trainer: CA/CFA/MBA Finance or equivalent qualification Proficient in Excel, Financial Statements, DCF, Comps, LBO (added advantage) Prior corporate or teaching experience in financial modeling is a plus

Evaluate credit proposals for construction and real estate finance, including financial and technical due diligence Conduct risk assessments, analyze project viability, promoter background, and market trends Ensure timely and accurate processing of credit applications in compliance with internal policies and RBI guidelines Monitor portfolio performance and flag early warning signals Coordinate with business teams, legal, technical, and risk for end-to-end proposal processing Guide branch credit teams and ensure credit quality across the area Key Skills: Strong understanding of construction finance and real estate project appraisal Credit underwriting and risk analysis expertise Knowledge of legal, regulatory, and compliance frameworks Excellent analytical and decision-making skills Ability to handle large and complex transactions Proficiency in financial modeling, ratio analysis, and report preparation

Senior Credit Analyst - Insurance/Corporates/Equity (Financial Modelling) - 2 Years - Pune Location Pune (Hybrid) An excellent opportunity to join a global credit risk team, where you will support insurance sector analysis across North American and European markets. This role blends financial modeling, regulatory tracking, and client interaction in a hybrid work environment. Your Future Employer A globally respected analytical and ratings powerhouse with a strong presence in financial markets, known for insight-driven credit evaluation and decision support. Responsibilities – Support global credit analysts in tracking and analysing the creditworthiness of insurance companies. Monitor industry trends and regulatory changes in global insurance markets to proactively identify credit triggers. Perform in-depth financial analysis, build models, projections, and conduct peer benchmarking . Draft internal credit assessment packs and assist in creating publishable credit rating reports. Collaborate effectively with international clients and stakeholders while ensuring process and compliance adherence. Requirements – 2–5 years of experience in credit risk analysis , insurance sector research , or financial institutions analysis . Expertise in financial modelling and interpretation of international financial statements. Strong verbal and written communication for report writing and stakeholder collaboration. Familiarity with insurance KPIs, regulatory frameworks, and credit ratings methodology. MBA (Finance, Full-time) or CA – mandatory. What is in it for you – Work with a global insurance analytics team . Exposure to international credit markets and rating methodologies. Build deep sectoral knowledge across leading insurance firms. Flexible hybrid working model with learning-focused culture. Reach us – If you believe this role matches your career path, send your updated CV to parul.arora@crescendogroup.in for a confidential discussion. Disclaimer – Crescendo Global is a niche recruitment firm specializing in senior and leadership hiring. We value diversity and inclusion and provide equal opportunities for all qualified applicants. Note – We receive a large volume of applications daily. If you do not hear back from us within 1 week, please consider your application not shortlisted. Your patience is appreciated. Profile Keywords – Credit Risk Analyst, Insurance Analytics, Financial Modelling Jobs, Credit Research, Credit Rating Jobs, CA Analyst Jobs, MBA Finance Roles, Insurance Domain Jobs, Credit Assessment, Financial Analysis, Pune Hybrid Jobs, Crescendo Global Jobs

In this role you will: Support performance and overall effectiveness of team, as well as cross-group administrative operations Provide feedback and present ideas for improving or implementing processes and tools within Commercial Banking Portfolio Management Review credit information of loans for companies and industries Respond to customer inquiries, generate status reports for management or bankers and contact available sources of information Perform or guide others on complex tasks or initiatives that require planning, evaluation, and interpretation Independently prioritize work and provide day-to-day-work leadership and mentorship to team Lead or contribute to implementation of new or revised processes and procedures Provide guidance and subject matter expertise to immediate team and Commercial Banking Portfolio Management on wide range of information Required Qualifications: 6+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications Chartered Accountant and Bachelor's Degree (Commerce Mandatory), equivalent Strong knowledge on accounting and finance, Industry analysis, Internal and external risk factors of the borrower Should have an experience in assessing credit worthiness of the borrowers based on qualitative and quantitative factors Strong knowledge of preparation and analysis of projected and Proforma based financial statements Sound knowledge of ratio analysis, cash flow, and trend analysis Should have experience of Financial spreading across all the Industries Sound knowledge on Moody's Risk Analytics (MRA) (added advantage) Strong knowledge on GAAP Accounting / International Financial Reporting Standards Ability to read & analyze financial statements. Excellent knowledge of MS office application primarily MS Word, MS Excel and PowerPoint Strong analytical skills. Excellent communication skills Should be flexible to stretch as per business requirement Stakeholders/Client management Able to multi-task to accomplish tasks effectively. Strong analytic skill, Quick Learner & Attention to detail Ability to work quickly & accurately while maintaining acceptable standards of workmanship Ability to recognize and escalate to management for any process breaches Highly motivated with strong organizational Flexibility to work in different shifts Ability to succeed in a team environment

Join us as a "Credit Manager" at Barclays, where youll spearhead the evolution of our digital landscape, driving innovation and excellence. Youll harness cutting-edge technology to revolutionize our digital offerings, ensuring unapparelled customer experiences. The role will require you to prepare credit proposals, including independent recommendation and presentation directly to the Risk Sanctioning Unit and/or Committee on behalf of the Relationship Point. Assess customer s business and/or transaction structure through the analysis of business, transactional, market and credit risks associated with the provision of the Bank s products and services to the customer. Proactively manage the risk of the designated portfolio by periodic review, identify potential credit deterioration or EWL sign of delinquency and take immediate corrective action on breaches or downturn in quality by taking up with client/Coverage/Risk Sanctioning teams You may be assessed on the key critical skills relevant for success in role, such as experience with corporate credit analysis, as well as job-specific skillsets. To be successful as a "Credit Manager", you should have experience with: Basic/ Essential Qualifications: Chartered Accountant MBA (Finance) CFA Desirable skillsets/ good to have: Good credit report underwriting skills Sound understanding of corporate financial statements (including Balance Sheet, Profit & Loss and Cash Flow) and ratio analysis Experience in dealing with various corporate banking lending products such as Term Loan, Overdraft, RCF, Trade products (Letter of Credit, Bank Guarantee, CID, Trade Loan) and FX/Derivatives line This role will be based out of Noida. Purpose of the role To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities. Accountabilities Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default. Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default. Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies. Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans. Analyst Expectations To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement. Requires in-depth technical knowledge and experience in their assigned area of expertise Thorough understanding of the underlying principles and concepts within the area of expertise They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L - Listen and be authentic, E - Energise and inspire, A - Align across the enterprise, D - Develop others. OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate. Will have an impact on the work of related teams within the area. Partner with other functions and business areas. Takes responsibility for end results of a team s operational processing and activities. Escalate breaches of policies / procedure appropriately. Take responsibility for embedding new policies/ procedures adopted due to risk mitigation. Advise and influence decision making within own area of expertise. Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct. Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function. Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Make evaluative judgements based on the analysis of factual information, paying attention to detail. Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents. Guide and persuade team members and communicate complex / sensitive information. Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.

In this role, you will: Research complex credit investigations and diverse credit information for loans Identify opportunity for process improvements within scope of responsibilities or functional area Review and identify basic operational assignments that require research, evaluation, and selection of alternatives while exercising independent judgement to guide medium risk deliverables Present recommendations for resolving complex situations and exercise independent judgement while developing expertise in the function, policies, procedures, and compliance requirements Collaborate and consult with functional colleagues, internal partners, and stakeholders including internal as well as external customers Required Qualifications: 2+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: MBA Finance (mandatory)/CFA/ Chartered Accountants Distinguishes between critical and irrelevant pieces of information. Gathers information from a variety of sources to reach a conclusion. Working Knowledge of Credit Products life cycle specially on commercial loan products. Ability to prepare internal memorandums while identifying and mitigating risk Strong knowledge of preparation and analysis of projected and proforma based financial statements. Strong knowledge on GAAP Accounting International Financial Reporting Standards Sound knowledge of ratio analysis, cash flow, and trend analysis. Should have experience of financial spreading across all the industries. Ability to read & analyze financial statements. Should be able to handle subjectivity in the financial analysis and substantiate with reasons. Excellent communication skills. Excellent knowledge of MS office application. Should be flexible to stretch as per business requirement. Able to multi-task to accomplish tasks effectively. Analytic skill. Attention to detail. Ability to work quickly & accurately while maintaining acceptable standards of workmanship. Ability to recognize and escalate to management for any process breaches. Highly motivated with strong organizational. Flexibility to work in different shifts. Ability to succeed in a team environment. Job Expectations: Responsible for performing financial analysis, calculating financial covenants, calculating yield, performing industry analysis, performing revenue analysis and preparing the financing memorandum Responsible for independently handling a variety of complex deals. Response independently to large and complex issues. Works under senior staff on more large and complex deals. Has comprehensive product and industry knowledge. Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios as well as underwriting, and providing reliable QC of junior team members work depending on requirement. Includes end to end responsibility of completing the request received from client includes financial spreading in credit analysis tool, analyzing financial statements, identification of trend and provide financial commentaries on cause and effect on identified trend as per business requirement. Responsible to complete Pro forma adjustments based on the projected financial information for assigning credit rating for underwriting requests. Responsible for Industry analysis, Internal and external risk factors of the borrower and more importantly a superior business writing and good communication skills. Should be able to analyze Companys management and borrower/ guarantors strength & weaknesses. Responsible for assessing the repayment capacity of the highly leveraged Borrowers.