Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view

As a Credit Risk Analyst in Commercial Banking Risk - Middle Market - Credit Risk Analyst, you help the firm manage the risk in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. You will be conducting credit analysis and support portfolio management of Corporate clients in the Middle Markets team in Commercial Banking division. We are located in Bangalore and work with North America based Clients with Credit Officers based out of US and India. Our work culture is all about thinking outside the box, challenging the status quo, and striving to be best-in-class. If you are passionate about risk management, building stakeholder relationships and taking charge of your career development, you may be the perfect fit for our team

Job responsibilities

Work closely with Credit Officers in North America and India on client activities such as prospects, new client onboarding, new facilities, modifications of existing facilities, projections modelling and portfolio management activities such as annual reviews, periodic financial performance diligence, etc. Prepare credit analysis on assigned clients - covering macro-overview, industry/sector analysis, business analysis, financial analysis – and recommend changes to credit ratings  Partner with Credit Officers on assigned clients to manage clients’ credit asks and assist in portfolio management activities. Maintain proactive and positive attitude and exhibit rigor in work to produce near flawless credit drafts and modelling outputs. Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Officers, Bankers, Middle Office, etc. Develop strong working knowledge and track clients/sectors related to diversified industries on an on-going basis Ensure governance, reporting and data quality requirements are met and maintained for client and client families

Required qualifications, capabilities, and skills

Post graduate degree 0-2 years’ experience in credit risk analysis Ability to work independently as well as in a team environment Strong communication & interpersonal skills; ability to effectively present analysis and build positive relationships with global stakeholders In depth understanding of financial statements, including ratio analysis, cash flow analysis and accounting standards Excellent academic record, strong grasp of corporate finance concepts and application, close attention to detail and accuracy  Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies  Proficient in the use of MS Word, Excel and PowerPoint