HomeData Science JobsCrisil | is Hiring | Hiring For Credit Analyst role | US...

Crisil | is Hiring | Hiring For Credit Analyst role | US Mortgage role | BigDataKB.com | 2022-04-05

Job Location: Pune

Location: Gurgaon/Pune

KEY ROLES & RESPONSIBILITIES

  • The role comprises working on comprehensive credit reviews of exposures in the commercial real estate (CRE) and commercial and industrial (C&I) loans. Areas of work involve
  • Sourcing information such as updated financial statements, rent rolls, valuation reports, asset summary report and debt structure summary
  • Spreading financials in financial spreading tool such as Sageworks, ACTICO, etc.
  • Conducting cash flow analysis, credit analysis of CRE and C&I loans to evaluate borrower’s loan repayment ability and preparing detailed annual and quarterly credit memos
  • Covenant monitoring, rent-roll analysis and property valuation.
  • Proactively communicating with loan officers, brokers, and clients during underwriting and loan review process.
  • Assisting in the active management of the bank’s portfolio of criticised and classified loans.
  • Supporting in portfolio monitoring activities pertaining to banks portfolio of criticised and classified loans.
  • Establishing and maintaining consistent standards and processes in credit analysis through interaction with risk management team of the bank.
  • Training and mentoring junior colleagues on credit risk assessment of CRE loans.
  • Regular interaction with client to discuss reports as well as workflow
  • Supporting the client with any ad-hoc research requests including portfolio analysis
  • Engaging with the client on a regular basis and suggest innovative ways to enhance client engagement.
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FUNCTIONAL & BEHAVIOURAL KNOWLEDGE

  • Experience in financial spreading/ surveillance/ portfolio monitoring and credit analysis
  • Good understanding of C&I loan and CRE loan risk factors, key credit metrics and capital ratios used in credit analysis.
  • Good understanding of CRE Tools like CBRE, CoStar, RCA, REIS, Moodys CMM and knowledge of Intex, Bloomberg a plus

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PROBLEM SOLVING

  • Identifies and resolves complex research issues and team problems
  • Assists in solving complex problems related to financial spreading

CLIENT MANAGEMENT / STAKEHOLDER MANAGEMENT

  • Interacting with overseas client on regular basis to understand their expectations
  • Communicates with senior management and interacts with other related teams

MINIMUM & PREFERRED EDUCATION

  • MBA or CA or Masters degree preferred; CFA certification is a plus

MINIMUM & PREFERRED EXPERIENCE / SKILLS

  • 5-8 years of work experience preferable in CRE credit risk/CRE and/or C&I loan underwriting
  • Sound understanding of the RMBS/CMBS/CLO space with experience in financial modelling/ surveillance/ portfolio monitoring and credit analysis.
  • Good understanding of MS office, Sageworks, ACTICO and VBA
  • Project management skills and ability to set up and streamline operational processes
  • High level of attention to detail and accuracy
  • Good interpersonal skills
  • Excellent analytical abilities, team leading & mentoring skills
  • Effective time management, written and oral communication skills

Apply Here

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