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Hybrid Portfolio Monitoring chez Oaknorth.ai

Oaknorth.ai · Bengaluru, Inde · Hybrid

Microsoft Excel

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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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