Sr.Analyst-Bank Credit Risk

Job Title

Sr. Analyst - Bank Credit Risk

Business Unit

Market Risk

Reporting To

Section Head - Bank Credit Risk

Job Function and Role Type

Assessment of Banks for defining Limits/Exposures, Individual Contributor

Version No

1

Job Purpose

Assess banks across geographies to define limits and exposures. Ensure compliance with regulatory thresholds and expand bank coverage.

Key Responsibilities

Carry out key financial analysis and credit appraisal of counterparty banks

Review balance sheets and financials to determine feasible exposures; Define appetite and allocate limits for various facilities; Monitor quarterly results, key ratios, and liquidity conditions.

Track movements in external ratings along with macro-economics and banking sector news

Monitor rating actions and assess their impact on banks; Analyze macroeconomic conditions and banking sector developments; Present assessments to the supervisor.

Initiate internal ratings of domestic and foreign banks

Review financials and management to assess internal ratings; Propose ratings for review and approval; Enhance internal rating models as required.

Stay abreast with regulatory changes for banks in various geographies

Track regulatory changes and their impact on bank exposures; Align frameworks with evolving regulations and submit updates.

Address business queries on bank limits and transaction requests

Engage with business units to understand limit requirements; Clarify restrictions and conditions for releasing limits; Banks In-Case Of Exigencies Or Adverse Developments; Evaluate emerging developments and review limit frameworks; Suggest modifications and coordinate with business units for revisions.

Present the assessment to Supervisor

Banks in-case of exigencies or adverse

Education:

MBA/Post Graduate Diploma from premier institutions, CA, or CFA.

Certifications:

CA, CFA, MBA.

Key Competencies

Credit assessment, regulatory compliance, financial analysis, risk management, stakeholder collaboration.

Major Stakeholders

Internal: CAD, TMO, Credit, and Credit Risk; External: Rating agencies, information providers like S&P Capital IQ and Moody's Analytics.