Education/ Experience and Skill Requirement
• MBA (Finance) / Chartered Accountant / CFA
• 4 to 8 years in financial statement analysis, credit analysis, covenant analysis
• Excellent oral and written communication skills
• Excellent oral and written communication skills
• Team players who must show the willingness to work with cross functional teams across many time zone

Responsibilities
• The candidate should possess reasonable knowledge of the banking processes related to commercial lending, especially corporate loans. Candidates, who have strong SME lending
experience may apply given they will have to unlearn and relearn the corporate credit analysis basics and fundamentals
• Candidate who are working for corporate loans/SME division of banks, or are working at ITES/shared services/captive set up and undertaking corporate credit analysis will hold an advantage while applying for this role
• The candidate must have hands on experience in carrying out tasks like credit appraisals, finalizing risk ratings, preparing or writing narratives/credit notes for credit approvals and ongoing monitoring. They will be participating in various con-calls, analyzing quarterly/annual reports, compliance and other associated reports and writing earnings blurbs post updating of financial models for the current quarter. The candidate will be communicating with onshore counterparts on regular/daily basis hence spoken English capabilities need to be demonstrated
• The candidate may have experience revolving around financial modeling, credit research and writing reports on companies across sectors. Someone with experience on capital structure and pro forma analysis, IRR and Sensitivity analysis, liquidity analysis, debt maturity and deleveraging analysis together with covenant compliance stress testing will be preferred
• Should demonstrate appropriate understanding of the broad revenue, cost and cash flow drivers that guide various sectors in which the borrowers operate. Ability to forecast the financials of the borrowers, based on the operational and industrial data, will be an added advantage
• The candidate should possess a highly analytical mind with an eye for detail, as well as a very high level of attention to detail
• The candidate should be quick learner of processes so as to be efficient in his delivery. The opportunity involves working in client environment
• Candidates having hands on experience working on Bloomberg/Reuters terminal, US SEC website,
Moody's products', S&P products' will be at advantage