Job Description -

Responsible for the daily deliveries with quality to meet/exceed the agreed SLA. 

Ensure that Client Focus, timely delivery & Strict adherence to SOP are maintained. Backed up with good knowledge on Commercial lending & Credit Services, should be able to handle client effectively
Assist the team to drive Client Value Creation, implement cutting edge solutions like RPA/Analytics and move towards Intelligent Operations. Adhere to all values & policies  and ensure that all team members follow the same. 
Spend time with the team members addressing their concerns/areas of improvement and create a team bonding leading the greater efficiency & commitment.
 

Tasks -

•Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients.
•Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks.
•Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings.
•Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook).
•Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon.
•Creating and analyzing enterprise valuation models to determine a company’s total value, including both equity and debt components.
•Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization.
•Ensuring compliance with standard operating procedures and regulatory documentation requirements.
•Accounting & Financial Reporting Standards
•Financial Analysis
•Underwriting
•Banking, Financial Services
•Written and verbal communication
•Proven experience in credit review and appraisal, credit rating analysis, report writing, and evaluating capital structure, EBITDA, leverage ratios, and financial statements of large corporates; well-versed in cash flow models and enterprise valuation techniques.
•Familiarity with third-party credit platforms like S&P Capital IQ, IBIS, and Moody’s Credit Edge will be an added advantage.
•Strong communication skills, with the ability to multitask, prioritize effectively, and meet tight deadlines.
•Analytical and logical thinker with a clear understanding of client requirements and expectations
•Commercial Lending & Credit Services
•Client Relationship Management
•People Management
•Cost Optimization
•Analytical & Proactive Skills
•Quality Concepts and Tools 
 

Roles and Responsibilities: 

•In this role you are required to do analysis and solving of increasingly complex problems
• Your day to day interactions are with peers 
• You are likely to have some interaction with clients and/or  management
• You will be given minimal instruction on daily work/tasks and a moderate level of instruction on new assignments
• Decisions that are made by you impact your own work and may impact the work of others
• In this role you would be an individual contributor and/or oversee a small work effort and/or team
• Please note that this role may require you to work in rotational night shifts