Lead Credit Analyst - Corporates

Societe Generale

Location

Bangalore | India

Job description

Preparing credit applications / annual reviews of counterparties to assess their credit quality, recommending appropriate credit limits, obligor rating, terms and conditions that address client credit risk and transaction risk.

Assure Annual Reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines.
Assure post approval activities and other credit related tasks are completed on time.
Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations.
Reviewing all relevant legal documentation (i.e. credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SG policies.
Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned.
Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality including monitoring covenants and watch list triggers.
Assist Team Lead in managing workload. Be proactive to take up adhoc and complex assignments while not impacting the scheduled annual reviews.

Profile required

Strong financial analytical skills and understanding of accounting , legal, and reulatory issues governing relevant sectors
Good understanding of various legal agreements (term sheet, Credit Agreement, ISDA CSA, GMRA, GMSLA, SBLC agreement) and ability to assess credit terms and conditions, including financial covenants, security and collateral
Knowledge of capital markets / traded products, commercial financing facilities and investment banking products
Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.) and making a recommendation
Ability to prepare financial models / forecasts for various scenarios
Ability to complete work with minimal or no supervision and accommodate shifting priorities
Proficiency in MS Word, MS Excel, MS PowerPoint
Knowledge of market data tools like Thomson Reuters, Capital IQ, Bloomberg, SNL, etc

Job tags

Salary