Lead Credit Analyst Corporates

Job highlights

• Profile required . Strong financial analytical skills and understanding of accounting (local GAAP and IFRS),legal,and regulatory issues governing relevant sectors . Good understanding of various legal agreements (term sheet,Credit Agreement,ISDA CSA,GMRA,GMSLA,SBLC agreement) and ability to assess credit terms and conditions,including financial covenants,security and collateral .

Preparing credit applications / annual reviews of counterparties to assess their credit quality, recommending appropriate credit limits, obligor rating, terms and conditions that address client credit risk and transaction risk

Assure Annual Reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines

Assure post approval activities and other credit related tasks are completed on time

Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations

Reviewing all relevant legal documentation (ie credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SG policies

Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned

Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality including monitoring covenants and watch list triggers

Be proactive to take up adhoc and complex assignments while not impacting the scheduled annual reviews

Assist team lead in managing the portfolio by training new joiners and taking up complex files

Required

Profile required

Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and regulatory issues governing relevant sectors

Good understanding of various legal agreements (term sheet, Credit Agreement, ISDA CSA, GMRA, GMSLA, SBLC agreement) and ability to assess credit terms and conditions, including financial covenants, security and collateral

Knowledge of capital markets / traded products, commercial financing facilities and investment banking products

Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc) and making a recommendation

Ability to prepare financial models / forecasts for various scenarios

Ability to complete work with minimal or no supervision and accommodate shifting priorities

Proficiency in MS Word, MS Excel, MS PowerPoint

Knowledge of market data tools like Thomson Reuters, Capital IQ, Bloomberg, SNL, etc Experience: 5+ Years