Credit Risk Analyst – Middle Market Corporates

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 – Middle Market Corporates (exposures over $10MM) within the Credit Risk team, you will 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 periodic financial performance diligence. You will 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. 

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 periodic financial performance diligence, etc.
• Independently 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

• 1+ 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