Sr. Credit Analyst - Corporates

Permanent contract|Bangalore|Research

Sr. Credit Analyst - Corporates

Bangalore, India Permanent contract Research


• Responsible for assessing the counterparty risk of large global organizations in terms of credit risk based on quantitative & qualitative data.
• Preparing high quality risk analysis of large global counterparties to assess their credit quality, proposing internal risk ratings, recommending appropriate limits (funded, non-funded, hedging and settlement), and negotiating / reviewing legal terms and conditions.
• Drafting a detailed opinion-based research report identifying various risk and mitigants and making a recommendation to the Risk Department for approval.
o Comprehensive fundamental analysis (P&L, BS, CF, and Liquidity)
o Analyzing the transaction structure for all product categories and recommending appropriate limits and terms
o Review of the counterparty’s strategy and its business risk
o Researching industry dynamics, global economic conditions, and competitive environment 
o Identification and evaluation of repayment sources, including collateral valuation and asset coverage analysis
o Financial modelling and forecasting - In-depth modelling / cash flow analysis in order to determine debt repayment capability
o Proposing risk ratings using bank’s internal model based on financial and economic data
• Evaluating / negotiating various loan / legal agreements such as Term Sheet, Credit Agreements, ISDA & CSA, and SBLC Agreements to assess loan structure and accordingly propose credit terms and conditions
• Liaising with various internal and external stakeholders (such as relationship bankers, KYC, operations, legal and syndication agents).
• Ensure adherence to market deadlines for deals and timely completion of annual reviews
• Proactively monitoring the assigned portfolio by tracking the industry / economic / regulatory developments, counterparty-related news, and other early warning indicators.
• Participate in corporate and lenders calls
• Ensure compliance with all internal policies and applicable regulatory requirements

Profile required

  • 3-5 yrs experience

• Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and regulatory issues governing relevant sectors
• Ability to assess credit terms and conditions (legal documents), 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 investigate / research / synthesize data and make appropriate conclusions
• Ability to prepare financial models / forecasts for various scenarios; 
• Ability to organize time and manage deliverables to meet stringent market deadlines
• Ability to complete work with minimal or no supervision and accommodate shifting priorities
• Ability to work in a team environment and coordinating with various stakeholders, such as front office bankers and salespersons, risk team, and clients spread across different time zones

Why join us

“We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status”.

Business insight

CORI, the Coverage and Investment Banking division of the Group, promotes to clients the whole range of services offered by the Group, with a specific focus on investment banking and commercial banking activities.The Client Credit Group department is part of CORI. Its main mission is the assessment of the counterparty credit risk on behalf of all Business Lines involving CORI and GLFI as PCRU and for all clients.

Credit analysts work closely with Coverage teams and are responsible for conducting independent credit assessments. CORI/CCG/CRE provides assistance to Coverage with respect to the decision making process on the granting of credit.

We are an equal opportunities employer and we are proud to make diversity a strength for our company. Societe Generale is committed to recognizing and promoting all talents, regardless of their beliefs, age, disability, parental status, ethnic origin, nationality, sexual or gender identity, sexual orientation, membership of a political, religious, trade union or minority organisation, or any other characteristic that could be subject to discrimination.

Reference: 20000JAT
Entity: SG Global Solution Centre
Starting date: immediate
Publication date: 2020/11/17