Job Description
Sr Credit Analyst - Funds
Permanent contract|Bangalore|Asset Management
Sr Credit Analyst - Funds
• Bangalore, India
• Permanent contract
• Asset Management
Responsibilities
DEPARTMENT DESCRIPTION
GLOBAL BANKING AND ADVISORY (GLBA) / Credit Management Group – Financial Institutions (GLBA/CRE/FIG). The team provide credit analysis and manage the credit relationship with clients of the Financial Institution Group and Global Markets sectors with focus primarily on trading facilities securities lending activities, agency clearing and lending facilities. This position has a focus on non-bank financial institutions specifically Asset Managers / Funds located in the European Region.
MAIN ACCOUNTABILITIES
The individual will be responsible for credit analysis of existing or new non-bank financial institution counterparties related to the following industries: asset managers and regulated/unregulated funds, pension funds; institutional accounts etc. Day to day responsibilities include:
• Assess the creditworthiness of the counterparties; prepare a credit report by capturing relevant information as per the internal policies, recommend internal ratings and justify the limit proposals. Obtain positive RISQ approvals of the ratings and limits within the specified timelines, and ensure the internal systems are accurately updated.
• Processing credit requests in a timely manner to meet business deadlines and maintain the annual review cycle.
• Research and analyze financial data, whenever required, on the client to prepare high quality analysis in credit applications that address client credit and transaction risk.
• Showcase strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client.
• Propose obligor ratings using the bank's rating tools.
• Manage key components of counterparty credit administration such, trading documentation (ISDA/CSA, GMRA, GMSLA), proposing credit terms for new negotiations/amendments and managing credit limits. Should be familiar with credit terms for legal documents and co-ordinate with Legal department on negotiations.
• Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality.
• Monitor exposure and manage credit limit exceptions/overshoots. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure.
• Handle covenant compliance and assess that the client meets the requirement as agreed on terms and follow internal process for exceptions as needed.
• Coordinate all aspects of a credit request while liaising with Relationship managers, Business Lines, Legal staff, Risk division and other stakeholders.
Profile required
• Ability to organize time and manage deliverables to deadlines.
• Ability to identify and accommodate shifting priorities with little notice.
• Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data.
• Acquire ability to complete work with minimal or no supervision.
• Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors.
• Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, Risk team, Legal and clients.
TECHNICAL SKILLS
• Proficiency using Word for written analysis and Excel for spreadsheet analysis
• Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors.
• Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s)
• Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions.
• Working knowledge of trading activities, products and trading documentation.
• Develop competency with SG's internal systems.
Desired:
• Knowledge of capital markets/OTC traded products/ Securities lending business and committed financing facilities.
• Knowledge of European Asset Management Sector.
• Excel skills, such as macros and pivot tables.
Why join us
We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, ****** orientation, national origin, genetics, disability, age, or veteran status
Permanent contract|Bangalore|Asset Management
Sr Credit Analyst - Funds
• Bangalore, India
• Permanent contract
• Asset Management
Responsibilities
DEPARTMENT DESCRIPTION
GLOBAL BANKING AND ADVISORY (GLBA) / Credit Management Group – Financial Institutions (GLBA/CRE/FIG). The team provide credit analysis and manage the credit relationship with clients of the Financial Institution Group and Global Markets sectors with focus primarily on trading facilities securities lending activities, agency clearing and lending facilities. This position has a focus on non-bank financial institutions specifically Asset Managers / Funds located in the European Region.
MAIN ACCOUNTABILITIES
The individual will be responsible for credit analysis of existing or new non-bank financial institution counterparties related to the following industries: asset managers and regulated/unregulated funds, pension funds; institutional accounts etc. Day to day responsibilities include:
• Assess the creditworthiness of the counterparties; prepare a credit report by capturing relevant information as per the internal policies, recommend internal ratings and justify the limit proposals. Obtain positive RISQ approvals of the ratings and limits within the specified timelines, and ensure the internal systems are accurately updated.
• Processing credit requests in a timely manner to meet business deadlines and maintain the annual review cycle.
• Research and analyze financial data, whenever required, on the client to prepare high quality analysis in credit applications that address client credit and transaction risk.
• Showcase strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client.
• Propose obligor ratings using the bank's rating tools.
• Manage key components of counterparty credit administration such, trading documentation (ISDA/CSA, GMRA, GMSLA), proposing credit terms for new negotiations/amendments and managing credit limits. Should be familiar with credit terms for legal documents and co-ordinate with Legal department on negotiations.
• Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality.
• Monitor exposure and manage credit limit exceptions/overshoots. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure.
• Handle covenant compliance and assess that the client meets the requirement as agreed on terms and follow internal process for exceptions as needed.
• Coordinate all aspects of a credit request while liaising with Relationship managers, Business Lines, Legal staff, Risk division and other stakeholders.
Profile required
• Ability to organize time and manage deliverables to deadlines.
• Ability to identify and accommodate shifting priorities with little notice.
• Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data.
• Acquire ability to complete work with minimal or no supervision.
• Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors.
• Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, Risk team, Legal and clients.
TECHNICAL SKILLS
• Proficiency using Word for written analysis and Excel for spreadsheet analysis
• Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors.
• Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s)
• Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions.
• Working knowledge of trading activities, products and trading documentation.
• Develop competency with SG's internal systems.
Desired:
• Knowledge of capital markets/OTC traded products/ Securities lending business and committed financing facilities.
• Knowledge of European Asset Management Sector.
• Excel skills, such as macros and pivot tables.
Why join us
We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, ****** orientation, national origin, genetics, disability, age, or veteran status
💡 Quick Summary
Seeking a career-building opportunity? The Sr Credit Analyst position is now open for candidates interested in the Bank Jobs sector. This role in Bengaluru offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
