FIG Credit Analysts

Greetings from Live Connections Location: Bangalore, Chennai, Pune, Hyderabad, and Gurgaon Experience 5-8yrs Budget 16Lpa Notice period Immediate to 30 days only(Do not take 60 or 90 days nego candidates) Experience in credit evaluation and assessment of income statement and balance sheet for financial institutions (Banks, Insurance, NBFI). Having thorough understanding of key ratios used to determine the credit worthiness on the FIG space. Understanding on CAMEL basis of analysisKnowledge on BASEL norms and regulations Role Description FIG Credit Analysts Experience in credit evaluation and assessment of income statement and balance sheet for financial institutions (Banks, Insurance, NBFI). Having thorough understanding of key ratios used to determine the credit worthiness on the FIG space. Understanding on CAMEL basis of analysis Knowledge on BASEL norms and regulations Role purpose (overall high level summary of the role) The Credit Analysis Unit (CAU) is a global function which works closely with Relationship Bankers (RBs) to help them prepare credit proposals for Wholesale (GBM/CMB) borrowing names across the Corporate, FIG and Funds sectors. By closely managing the annual review workload and encouraging deep collaboration between CAU, RBs, Credit Risk, and Client Management, the Credit Analysis Unit maintains a flexible operating model ensuring new business transactions are consistently prioritized effectively to exploit revenue generation. We are currently seeking a motivated individual to join the CAU team in the capacity of 'Analyst/Associate/Senior Associate'. The primary responsibility of this role involves undertaking high quality industry, competitor and client level financial analysis for Global Banking (GB) and Commercial Banking (CMB) client Governance and Committee Memberships (membership of ExCos, Risk Management Meeting)- NA NA Principal Accountabilities and Responsibilities (e.g., for Business, Customers and Stakeholders; internal control environment, etc.) Undertake high quality industry, competitor and client level financial analysis for Global Banking (GB) and Commercial Banking (CMB) Relationship Management (RM) Team. Analysis of financial documentation and supplemental data to support lending decision-making and recommending credit requests to appropriately meet business needs. Preparing credit analyses in support of new and existing business relationships. Support the RM team in the continuous collection, capture and analysis of key data and information related to GB/CMB clients emissions-intensive activities, climate commitments and low-carbon business initiatives and transition and physical risks to help build a thorough understanding of each clients plans to transition to net zero emissions over time. Personally develop and maintain strong working relationships with GB & CMB Relationship Managers / Associates along with executives in Risk to ensure that all risks to the business, financial and non-financial, are properly recognized and thoughtfully mitigated in proposals. Leadership & Teamwork Ensure that all work is delivered within agreed timeframes, PLAs and meets the required high quality standard. Understand and comply with all relevant policies, FIM guidelines and procedures issued by the Group. Pro-actively suggest and design improvements in process workflow, where applicable. Communicate clearly with team members and other parts of GBM as required. Maintain internal control standards. Need to implement the Group Compliance Policy, as applicable to their role. Need to be aware of the Operational Risk scenario associated with their role, and to ensure that all actions during their employment with take account of the likelihood of operational risk occurring. Adhering strictly to compliance and operational risk controls in accordance with and regulatory standards, policies and practices; reporting weaknesses, compliance breaches and operational loss events. Functional Knowledge C.A. / CFA / MBA Finance, Economics or equivalent is essential and any professional qualification is desirable. 0 to 6 years of relevant experience in Credit Analysis. Sustainability knowledge is an advantage Highly proficient at Excel and Word. Excellent verbal/written communication skills in English, proficient in credit writing in English, hard-working, organized, diligent, and above all a good team player Others Understand financial principles and concepts, including budgeting, financial forecasting, and financial analysis. Understanding of risk management principles and practices. This includes the ability to identify, assess, and mitigate risks that could impact the business. Adhering strictly to compliance and operational risk controls in accordance with and regulatory standards, policies and practices; reporting weaknesses, compliance breaches and Greetings f