Credit Analyst - Non Banking Financial Institution
SOCIETE GENERALE
Bangalore, Inde
10h ago

Responsibilities

MAIN ACCOUNTABILITIES

  • The individual will be responsible for credit analysis of existing or new non-bank financial institution clients / counterparties related to the following industries : asset managers and regulated / unregulated funds, pension funds;
  • institutional accounts etc. This position also focuses on Agent Lenders acting as agents on behalf of their clients including mutual / institutional funds and other mandates.

    Day to day responsibilities include :

  • Assess the creditworthiness of the counterparties (Agent lenders, Principals, Funds, mandates, Pension etc); prepare a credit report by capturing relevant information as per the internal policies, recommend internal ratings and justify the limit proposals.
  • Obtain the 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 on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk.
  • Conduct sector research covering North America to support the analysis.
  • 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, FAA) 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.
  • Coordinate all aspects of a credit request, liaising with FIG relationship managers, Business Lines, Legal staff, Risk division and other stakeholders.
  • 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 based 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, and clients.
  • Required :

  • 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 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 US Asset Management Industry.
  • Excel skills, such as macros and pivot tables.
  • PRIOR WORK EXPERIENCE

    Required : 3+ years of overall credit analysis experience preferably in non-bank FI space

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