Senior Credit Analyst Private Banking (Global Risk & Research)

Riverforest Connections Private Limited

Job Location:

Bengaluru - India

Monthly Salary: Not Disclosed

Posted on: 6 hours ago

Vacancies: 1 Vacancy

Job Summary

We are seeking an experienced professional with 2-5 years of experience in credit risk management in Wealth Management (WM) &Private Banking (PB) domain. The ideal candidate must be a graduate and possess strong background in credit assessment private banking leasing and portfolio management. This position is primarily responsible for ensuring the seamless execution of shortfall management and margin call processes thereby safeguarding the banks financial stability and mitigating potential risks.

Key Roles & Responsibilities

Shortfall Management and Margin Call Process

The analyst will ensure that shortfall management and margin call processes are executed accurately and timely aligning with the banks policies and regulatory requirements.
This involves alerting First Line stakeholders of shortfall accounts agreeing to remediation plans raising to local Credit team if extension is required and work with First Line Managers in execution of sell down as required.
Monitor and manage credit risks associated with shortfall accounts and margin calls ensuring timely identification and mitigation of potential risks.
Conduct thorough risk assessments and provide recommendations to mitigate identified risks enhancing the overall risk management framework.

Support to Credit Risk Officers

The analyst will provide comprehensive support to Credit Risk Officers in various aspects of credit risk management. This includes assisting in the follow-up with First Line on timely credit application submissions follow up with First Line on compliance to approved credit conditions monitoring facility limit excesses overseeing concentration risk etc.
The analyst will act as a liaison between the Private Banking Credit Risk team and other First Line stakeholders to facilitate smooth operations and effective risk management.

Reporting and Governance

The analyst will be responsible for conducting detailed internal and external reporting for the Private Bank Credit team. This includes preparing Committee packs submissions Risk appetite reporting Credit portfolio reporting and regulatory submissions.
The role requires a keen eye for detail and the ability to compile and present complex data in a clear and concise manner ensuring that all reports meet the highest standards of accuracy and compliance.
Ensure all credit risk management activities comply with the banks policies regulatory requirements and industry best practices.
Support a culture of compliance risk awareness and proactive risk management with fellow stakeholders and business partners.

Process improvement

Provide inputs on strategies for effective shortfall management and margin call processes to safeguard the banks financial stability.
Provide strategic insights and recommendations to enhance credit risk monitoring and reporting processes.
Support the business by ensuring timely and accurate execution of credit-related processes thereby enabling smooth operations and client satisfaction.
Collaborate with First Line stakeholders to address and resolve shortfall accounts ensuring remediation plans are in place and executed.
Act as a liaison between the Private Bank Credit Risk team and First Line stakeholders to facilitate effective communication and coordination.

Essential

MBA/CA/CFA
Creditanalysis expertise- 35years of handson experience evaluating highnetworth client loan requests including unsecured personal loans. Skilled atfinancial statement analysis cashflow modelling covenant monitoring and riskratingacross diverse asset classes (realestate equities alternative investments and business ownership).
Regulatory & compliance acumen- Strong working knowledge of privatebanking regulatory frameworks such asKYC/AML CDD EDD bank secrecy act (BSA) and local fairlending rules. Maintain documentation standards for secured and unsecured lending and ensure adherence to internal audit and compliance checklists.
Communication & stakeholder management - Excellent written and oral communication skills; able to translate complex financial concepts into clear recommendations for clients relationship managers and senior risk officers. Skilled at listening to client needs diagnosing business problems and proposing tailored wealth management solutions.
Independent high-pressure performance - Proven track record of delivering accurate credit assessments and compliance checks under tight timelines with minimal supervision ensuring timely decision making for high value private banking transactions.

Required Skills:

Private BankingWealth ManagementCredit RiskCredit Analyst