Description

Credit Risk •Independently evaluate lending opportunities across the capital structure (senior debt and mezzanine) across multiple sectors (except Real Estate) •Interact with internal stake holders (deal team, legal, operations, senior management) and external stake holders (due diligence teams, promoters, external credit rating agencies, etc.) •Undertake client unit / plant visit as part of pre-sanction due diligence exercise •Assist in developing and enhancing proprietary in-house models for credit appraisal across sectors •Present independent view on deals to senior management and deal sanctioning committee •On-going monitoring of the portfolio to track Early Warning Signals (EWS) for any possible stress in accounts •Conduct portfolio analysis and derive at maximum loss potential estimate for the entire portfolio taking into account diversification across various sectors, assets and sub-asset groups Credit Structuring •To work with deal team to suggest appropriate changes to the deal structure / covenants / terms & conditions in order to minimize risks •Derive insights from portfolio analysis and incorporate the same in the underwriting standards for new deals Role: Credit Analyst Industry Type: NBFC Department: BFSI, Investments & Trading Employment Type: Full Time, Permanent Role Category: Lending

Role and Responsibilities

• Credit Risk •Independently evaluate lending opportunities across the capital structure (senior debt and mezzanine) across multiple sectors (except Real Estate) •Interact with internal stake holders (deal team, legal, operations, senior management) and external stake holders (due diligence teams, promoters, external credit rating agencies, etc.) •Undertake client unit / plant visit as part of pre-sanction due diligence exercise •Assist in developing and enhancing proprietary in-house models for credit appraisal across sectors •Present independent view on deals to senior management and deal sanctioning committee •On-going monitoring of the portfolio to track Early Warning Signals (EWS) for any possible stress in accounts •Conduct portfolio analysis and derive at maximum loss potential estimate for the entire portfolio taking into account diversification across various sectors, assets and sub-asset groups Credit Structuring •To work with deal team to suggest appropriate changes to the deal structure / covenants / terms & conditions in order to minimize risks •Derive insights from portfolio analysis and incorporate the same in the underwriting standards for new deals Role: Credit Analyst Industry Type: NBFC Department: BFSI, Investments & Trading Employment Type: Full Time, Permanent Role Category: Lending