Job description

Annual Credit review- - Mgr/Snr.Mgr/ AGM- Candidate expectations and Roles & Responsibilities Candidate with 10+ years of experience in Corporate & Commercial Lending, FIG/Corporate & Investment Banking. Credit Underwriting, Credit Risk Management and understanding of financial statement, Credit Review, Credit Risk Analysis / Underwriting is must; Quality Focused and has performed quality and data analytics function. Risk Modelling - Base Case Scenario, Recessionary Case Scenario, Risk Modeling and Projecting cash flow for risk rating and judging repayment capacity and risks. Good understanding of Cash flow statement analysis, Income Statement Analysis and Balance Sheet to analyze Credit Quality, Liquidity, Leverage and Coverage etc. Ability to interpret and highlight risks and early warning signals. Relevant experience within a financial institution (analyzing corporate client's risk, insights and credit); Relevant Knowledge and understanding of FIG, Corporates, Middle Market Financing Products. Strong knowledge on Global accounting standards - IFRS, US GAAP Accounting and classification/ International Financial Reporting Standards. Experience in Corporate & Commercial Lending, FIG/Corporate & Investment Banking. Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure. Sound knowledge of financials, cash flow, leverage & liquidity analysis, credit quality, assigned value risk analysis. Risk Modelling - Base Case Scenario, Recessionary Case Scenario, Risk Models and Projections for income, cash flow for risk rating and judging repayment capacity and risks. Understand Client performance received from customers as well as benchmarking data and publicly available information. Knowledge of any one Financial Spreading tools. Debate the purpose of borrowing, the risks, and the expected structure of the debt. Assess the ability of the debt to meet the commercial needs. Flexible to work in rotational including night shifts.

Skills Required

Key Skills

• ACR
• ANNUAL CREDIT REVIEW

Other Information