Portfolio Monitoring

The incoming candidate will be a part of one of the Bank's Credit (lending) teams and will be expected to have strong understanding of financial statements including important lending and credit risk metrices.

Job Responsibilities

• Credit-worthiness analysis of borrowers, including financial analysis, industry and sector research, to ensure Bank's lending remains within acceptable Risk metrics.
• Drafting detailed credit reports with key takeaways on the purpose; report has to be concise, easy to read for credit risk to review and comment
• Identifying, setting and monitoring deal specific covenants which can act as early warning signals during the life of the loan
• Developing and maintaining detailed financial model (in Excel) comprising transaction details, financial statement analysis, projections, ratio & variance analysis, key performance indicators, credit metrics, amongst others
• Conducting sensitivity analysis – for stress testing on loans for serviceability
• Regular interaction with key stakeholders and clients to discuss for eg. borrower requirements and performance, data gaps, inconsistencies, analytical frameworks, loan servicing etc.

Desired qualities and skills :

Skills Required

sensitivity analysis, Financial Analysis