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Senior Analyst - Credit Admin

2 - 5 years

7 - 11 Lacs

Bengaluru

Posted:3 days ago| Platform: Naukri logo

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Skills Required

credit underwriting credit analysis middle office banking operations credit rating excel credit approval credit administration operations compliance writing market risk corporate banking powerpoint communication skills credit operations

Work Mode

Work from Office

Job Type

Full Time

Job Description

GLBA/CPM/AME/COR : Global Banking Advisory (GLBA) / Credit Portfolio Management (CPM) / Americas (AME) / Corporates (COR)
CPM manages GLBA's loan book across geographies with the objective to enhance capital optimization and disciplined portfolio management. Primary role of CPM/AME is to perform end-to-end credit analysis of SG Americas corporate banking clients including but not limited to analysing clients credit worthiness, assigning credit ratings, understanding corporate banking products, recommending risk mitigants, continuous tracking of the banks overall exposure to our clients and ensuring compliance to all applicable regulatory guidelines.
 
Role Description:
This position has a focus on Credit Administration function supporting the AMER region of GLBA/CPM in the Corporates vertical. The Credit Admin role in GLBA/CPM Bangalore entails supporting and assisting analysts covering AMER portfolio in performing credit analysis.

 

Key responsibilities include:

 
- Credit Approvals - assisting the credit analysts on Annual reviews and Credit transaction requests
o Follow-up with Banks Business Lines (BLs) to (i) initiate renewals and (ii) provide timely approvals on time credit file
o Work with BLs to ensure that system-based credit requests are complete prior to submission to senior management
o Post approval activities - Ensure the banks reporting system are correctly updated
o Delegations: (i) Check delegations for credit requests and ensure that correct approval levels are outlined in the credit applications (ii) Populate the list of people required to approve a credit request from both a credit and policy point of view
o Driving improvement in client referential data quality
- Financial Spreading and Ratings
o Obtain latest financial statements from BLs and save in the shared drives
o Upload financial statements to SGs internal financial spreading application and validate as needed.
o Ensure that validated financial statement data is flowing correctly into the banks rating tools
o Follow up with RISK teams for ratings approvals
o Review the Missing / Expired rating report to identify any ratings that need to be renewed and trigger remediation
o Alert on exposure without ratings
o Update Peer comparison table
- Exposure and concentration management:
o Outline all existing credit facilities and exposure in the credit application
o Maintain Global Exposure Summary Schedule (including Global approval envelopes) on an ongoing basis
o Work with BLs to correct exposures / Client groupings. Ensure data accuracy in exposure / concentration applications
o Monitor overshoots and assess whether it is an active or a passive overshoot by liaising with the BL
o Following up with BLs for status on unpaid / past due exposure and to understand if this is technical or not. Assist Credit analysts in (i) addressing these defaults (ii) provide RISK a valid rationale for clients inability / unwillingness to clear its dues.
- Other aspects of the credit process + Transversal activities
o Guarantee Analysis - Sourcing of the Guarantee / support documentations from tools / business lines etc.
o Assist Credit Analysts with the monitoring of the portfolio
o Complete weekly workflow trackers and ensure that the pipeline is up to date.
o Regularize credit approvals in systems, as needed.
o Assist with deal closing activities
o Assist management in ad-hoc projects

Profile required
Skills
- Basic understanding of the credit processes of a global multinational bank
- Intermediate financial spreading skills and understanding of accounting (US GAAP and IFRS).
- Basic Knowledge of capital markets / traded products, commercial financing facilities and investment banking products.
- Advanced knowledge of MS Word, MS Excel, MS PowerPoint
- Strong behavioral skills such as ownership, communication skills, negotiation skills, independence, problem solving capabilities
- Ability to complete work with minimal or no supervision and accommodate shifting priorities.
- English strong written and spoken required
 
Educational Qualifications: Graduate or Postgraduate in Finance
 
Experience Level: (i) Two to five years of experience in credit operations / credit support / middle office (ii) Experience in corporate banking / market risk products of large multinational banks would be an added advantage.

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