Deputy Manager - RNA
Deputy Manager - RNA
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Job Description
Project Overview:We support multiple global banks with credit underwriting portfolio management financial research spreading of financial statement industry research and risk rating. Specifically for this role we are looking for a strong candidate with commercial underwriting background to join a growing team of 500 professionals supporting one of the large banks based in the US. Job Description:Manage a portfolio 3035 clients) of Global corporates and undertake objective detailed due diligence of borrowers in Commercial and Industrial industry.Ensuring quality check of the deliverables for the team members.Managing projects independently with minimal guidance from the management.Preparing high quality risk analysis of large global counterparties by evaluating their creditworthiness on multiple parameters including the assignment of internal customer risk rating grade and detailed analysis of business profile industry company management and financials recommending appropriate limits (funded nonfunded hedging and settlement) and negotiating / reviewing legal terms and conditions.Conduct ongoing Portfolio Monitoring to facilitate decision making through Financial Modelling Coverage Reports Covenant Analysis Forecast and Report writing.Analyse the balance sheet income statement and cash flow statements of counterparties including their operating trends capital structure liquidity leverage covenants debt service capacity and overall credit risk for conclusion and recommendation.Evaluating / negotiating various loan / legal agreements such as Term Sheet Credit Agreements to assess loan structure and accordingly propose credit terms and conditions.Working on assigning the Risk rating of PD and LGD to the Borrower and writing detailed risk rating rationale justifying the same.Monitoring and contributing towards industry and group level concentration riskAble to lead in corporate and lenders call.Providing mentorship and training to newer members of the team; providing cross functional knowledge and training to support teams.Profile RequiredShould have a minimum of 5 years of experience in underwriting of working capital loans term loans for large corporates in Commercial and Industrial sector.Should have 23 years of experience in project management.Should have a minimum of 2 years of experience in stakeholders management.Proficient in collaborating with multiple stakeholders & liaising with various teams including but not limited to Relationship Managers Product teams and Credit Officers / Approvers.Minimum 57 years of experience in annual renewal of limits and borrower ratings as per the Banks credit processes and procedures. Strong financial analytical skills and understanding of accounting (local GAAP and IFRS) legal and regulatory issues governing relevant sectors.Good understanding of various legal terms and ability to assess credit terms and conditions including financial covenants security and collateral.Strong paper writing skills with respect to assessing and summarizing financial transactions (credit requests covenant waivers etc. and making a recommendation.Ability to support Relationship Managers / Credit Officers on ad hoc requests related to new transactions or other portfolio reviews.Should be able to perform covenant checks and periodic monitoring reports.Experienced in preparing financial models / forecasts for various scenarios.Proficiency in MS Word MS Excel MS PowerPointKnowledge of credit platforms like nCino MRA Credit Lens LoanIQ William Stucky.Audit management Internal External including regulatory inspections.Should have strong communication skills.
Qualifications :
Qualifications:Postgraduate/ MBA/CA/CFA/Cost AccountantAdditional InformationWill be accountable for regular deliverablesResponsible for delivering 100 quality to the client.Be able to maintain productivity quality and meet short/strict deadline.Assist superiors in activities related to productivity improvement quality initiatives pilot processes etc.Ability to work under high pressure and for long hours. Should possess strong work ethics and have positive attitude.
Remote Work :
No
Employment Type :
Fulltime
Employment Type
Full-time
