Institutional Research & Analysis Associate

Job Summary

The purpose of the role is to independently manage credit assessment of a portfolio including, risk control and provide industry insights/analysis, preparing credit memorandum and subsequent portfolio management.

Role Location: Mumbai

Role Type: Permanent

Responsibilities

• Responsible for credit assessment and risk control for the assigned client groups.
• Participate and handle discussions with Products, Relationship Manager Risk on deal structuring and workshopping.
• Timely preparation of workshop papers and credit memorandum for new proposals and annual/ interim reviews in accordance with the Bank s standards and policies.
• Identify issues impacting the customer s credit standing, seek clarification from customers and formulate action plan to resolve issues promptly
• Efficiency and effectively manage credit risk by:
• Accurately identifying and assessing all risk inherent in credit exposures and ensuring quality judgements are made
• Adhering to Group credit policies and standards regarding approval, reporting and documentation
• Ensuring quality and integrity of data and analysis of accounts in the set
• Ensuring compliance with group standards and regulatory requirements (including credit policy and approval conditions)

What will you bring

• 5 + Yrs of experience in cash-flow lending, capital structure and security arrangements
• Robust knowledge of core banking products and risks, including basic operational processes
• In depth knowledge of both the financial and non-financial strategies and objectives of clients
• Full understanding of the banking industry, global economics and the local/global regulatory landscape
• Knowledge of legal documentation
• Sound understanding of the local market, industry knowledge across one or more industry sectors and an understanding of customer issues and risks
• Appropriate tertiary qualifications (e.g. Degree essential; Masters, MBA/ CA/ CFA highly regarded)
• Solid financial and credit analysis skills and ability to identify risks and understand creditworthiness of customers
• Ability to resolve issues that are commonly addressed by applying technical expertise and industry knowledge
• Solid modelling skills, including financial projections and sensitivities
• Presentation and writing skills, including ability to analyse, question and interpret significant amounts of information that actively develop knowledge of the client and translate into concise credit memos
• Good attention to detail particularly with respect to credit administration.

You re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we d love to hear from you.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.