The incoming candidate will be a part of one of the Bank’s Credit (lending) teams and will be expected to have strong understanding of financial statements including important lending and credit risk metrices.
Job Responsibilities
Credit-worthiness analysis of borrowers, including financial analysis, industry and sector research, to ensure Bank’s lending remains within acceptable Risk metrics.
Drafting detailed credit reports with key takeaways on the purpose; report has to be concise, easy to read for credit risk to review and comment
Identifying, setting and monitoring deal specific covenants which can act as early warning signals during the life of the loan
Developing and maintaining detailed financial model (in Excel) comprising transaction details, financial statement analysis, projections, ratio & variance analysis, key performance indicators, credit metrics, amongst others
Conducting sensitivity analysis – for stress testing on loans for serviceability
Regular interaction with key stakeholders and clients to discuss for eg. borrower requirements and performance, data gaps, inconsistencies, analytical frameworks, loan servicing etc.
Desired qualities and skills:
Strong financial analysis skills – thorough understanding of accounting / financial concepts including financial statements, variance analysis, and assessment of key credit risk metrices and covenants
Ability to draft credit reports
Strong communication skills (oral and written) in English.
Proficient in use of Excel, handling linked worksheets, able to handle complex models.
Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, curious, team player, fast learner, and willing to take ownership of tasks and deliverables.
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.
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