Credit and Risk Analyst

Job description

Role: Analyst/Sr. or Lead Analyst / Manager Credit Settlement Risk & Analytics Experience: 3 to 12 Years Work Location: Gurugram, Bengaluru, Hyderabad - Hybrid 1. Role Overview This role conducts fundamental credit analysis and counterparty risk assessments for global banks, financial institutions, and corporate entities. The primary goal is to evaluate counterparty financial health using CAMELS analysis, Basel frameworks, and financial statement spreading to determine creditworthiness and recommend internal credit ratings or risk limits. The team needs this role to ensure portfolio counterparties and commercial borrowers comply with loan covenants, maintain capital adequacy, and do not present default risk to the client's credit portfolio. 2. Key Responsibilities • Financial Statement Analysis & Spreading: Read and spread balance sheets, income statements, and cash flows to evaluate profitability, capitalization, leverage, and liquidity metrics across global counterparties. • CAMELS & Credit Reviews: Prepare detailed annual and quarterly credit reports for financial institutions (banks, broker-dealers, NBFCs) and large corporates using CAMELS methodologies. • Covenant Testing & Portfolio Monitoring: Monitor borrower compliance with financial covenants, track trigger breaches, and evaluate ongoing borrower risk profiles. • Credit Rating & Underwriting Support: Assign internal credit ratings, build financial models/spreads, and draft risk rating rationales to recommend trade, no-trade, or loan approval decisions. • Secondary Market & Peer Research: Conduct peer benchmarking, SWOT analysis, and industry research using databases like Moody's Analytics, S&P Capital IQ, and Bloomberg. 3. Core Requirements & Eligibility • Experience Level: At least 3 years of experience in credit risk analysis, credit underwriting, or credit research. • Domain Exposure: Expertise in Financial Institutions (FI) credit risk, commercial banking, corporate debt, or vendor credit ratings. • Framework Familiarity: Strong practical command of CAMELS analysis, Basel III norms, capital adequacy ratios (CET1, Tier 1), and ratio analysis. 4. Skillset Breakdown • Primary (Must-Have): Credit Risk Analysis, Financial Statement Spreading, CAMELS Framework, Ratio Analysis (Liquidity, Leverage, Coverage), Covenant Testing, Credit Report Writing, Moody's CreditLens / Capital IQ / Bloomberg. • Secondary (Nice-to-Have): Vendor Credit Due Diligence, Syndicated/Leveraged Loan Re-underwriting, Peer Benchmarking, nCino / Rating Tools, Credit Risk Matrix Setup.