credit analyst

Crisil

<div>
 
 Key Responsibilities:
 
 
 
 
 
 -
 
 
 
 Domain Related:
 
 
 <ol>
 <li>
 Assist global Credit Analyst(s) in cash flow analysis for Structured Finance securities
 </li>
 <li>
 Prepare cash-flow Model for structured finance deals RMBS, across EMEA and US regions) using proprietary platforms (IMAKE, Cashflow Evaluator, Intex) and ensure the correctness of the cash flow output
 </li>
 <li>
 Cash-flow Modelling involves:
 </li>
 <li>
 Analyzing, comprehending, and interpreting transaction documents such as Offering Circular, Indenture, Term-sheet etc., to understand the structure and features of the deals
 </li>
 <li>
 Retrieve appropriate data (Asset and Liability level) to prepare cash-flow model set up files
 </li>
 <li>
 Scripting payment waterfalls and related conditions as per the deal covenants using pre-built functions in the scripting tools to generate the required cash-flow output
 </li>
 <li>
 Testing the Cash-flow model through scenario analysis to comply all the requirement of legal document and the Asset Specific Cash-Flow Criteria
 </li>
 <li>
 Work on resolving Queries w.r.t Cash-flow model outputs used for ratings process
 </li>
 <li>
 Model maintenance involves regular testing and validation of models based on the most recent investor reports, statements published by issuers, servicers and revising the model to be in sync with expected outcome
 </li>
 <li>
 Stay abreast with the latest developments in the structured finance market and understand / be able to comment on their potential impact
 </li>
 <li>
 Support Global Credit Analyst(s) in analyzing the performance of a portfolio of Structured Finance transactions for any credit event
 
 Process Adherence:
 
 </li>
 <li>
 Focus on quality review and add analytical inputs to processes as and when needed
 </li>
 <li>
 Create and maintain base level training material, process manuals and related documentation to ensure smooth execution of tasks
 </li>
 <li>
 Adopt the defined processes in day-to-day execution of assignments
 </li>
 <li>
 Identify process improvement avenues that leads to value addition to work
 </li>
 <li>
 Ensure gained knowledge is retained and documented through operating manuals
 </li>
 <li>
 Work with other teams and suggest methods to improve efficiency of the existing process
 </li>
 </ol>
 
 7. Strictly practice and follow all compliance, confidentiality and information security policies and procedures and related guidelines of the organization
 
 
 
 
 
 Client Management / Stakeholder Management:
 
 
 <ol>
 <li>
 Build and maintain relationships with onshore Analyst and respective stakeholders
 </li>
 <li>
 Set expectations with clients for the routine tasks (viz., scope of work, timelines, etc.)
 
 People Development:
 
 </li>
 <li>
 Provide mentoring / training to junior members of the team
 </li>
 <li>
 Implement team-level initiatives (co-curricular activities)
 </li>
 <li>
 Familiarize new recruits to the team and organization
 </li>
 </ol>
 
 
 
 
 
 Expected Candidate Profile: -
 
 
 <ol>
 <li>
 Understanding of Fixed Income AND/OR Structured Finance / Securitization concepts
 </li>
 <li>
 Excellent oral and written communication skills
 </li>
 <li>
 Positive attitude with qualities of a team player and Solution oriented
 </li>
 <li>
 Ability to take ownership and execute tasks independently
 </li>
 <li>
 Ability to deal with pressure and open to new ideas and initiatives
 </li>
 <li>
 Ability to build client relations and take a view based on client guidance
 </li>
 </ol>
 
 
 
 
 
 
 Essential Qualification: -
 
 
 
 Two years full-time MBA (Finance) OR Equivalent
 
 
 
 
 
 
 Preferred Qualification: -
 
 
 
 Two years full-time MBA/PGDM (Finance) OR Equivalent degree in Quantitative Finance OR (CFA / FRM) with 3-5 years of work experience in Structured finance (ABS / RMBS / CLOs).
 
 
 
</div>

Credit Analyst

Avery Dennison

<div>
 
 
 Avery Dennison Corporation
 
 (NYSE: AVY) is a global materials science and digital identification solutions company. We are Making Possible&trade; products and solutions that help advance the industries we serve, providing branding and information solutions that optimize labor and supply chain efficiency, reduce waste, advance sustainability, circularity and transparency, and better connect brands and consumers. We design and develop labeling and functional materials, radio-frequency identification (RFID) inlays and tags, software applications that connect the physical and digital, and offerings that enhance branded packaging and carry or display information that improves the customer experience. Serving industries worldwide &mdash; including home and personal care, apparel, general retail, e-commerce, logistics, food and grocery, pharmaceuticals and automotive &mdash; we employ approximately 35,000 employees in more than 50 countries. Our reported sales in 2024 were $8.8 billion. Learn more at www.averydennison.com.
 
 
 
 
 
 Avery Dennison is an equal opportunity employer.
 
 
 
 
 
 Please let us know if we can support you with reasonable accommodations throughout the application process by contacting our team via Requestaccomodation@eu.averydennison.com.
 
 
 
 
 
 
 
 We do not accept unsolicited referrals or resumes from any source other than directly from candidates
 
 
 .
 
 
 
 
 *
 
 
 
 We are unable to offer sponsorship or relocation for this role
 
 
 
 *
 
 
 
 
 
 
 *This role is subject to right-to-work checks as per local employment laws*
 
 
 
 
 
 
 
 
 Job Description
 
 
 
 The full-time position of the
 
 Credit Analyst
 
 is responsible for the investigation and analysis of credit risks, working within guidelines established by the organisation. You will be working from our
 
 office in Samand&inodot;ra, Istanbul
 
 .
 
 <ul>
 <li>
 Review and analyze credit applications and risks.
 </li>
 <li>
 Through research and analysis, report and annotate findings and make decisions as needed.
 </li>
 <li>
 Review and disposition credit decisions inside and outside system recommendations using grid and bureau information.
 </li>
 <li>
 Oversee payment systems, including cheque processing, Direct Debit operations, and customer bank transfers.
 </li>
 <li>
 Follow up of the accounts and take actions for past-due customers
 </li>
 <li>
 Review and release customer orders on credit hold in the order processing system.
 </li>
 <li>
 Review new accounts for creditworthiness.
 </li>
 <li>
 Make recommendations for credit limits on new increases and credit lines on existing accounts.
 </li>
 <li>
 Prepare regular credit related reports for dissemination to applicable Finance or Accounting departments.
 </li>
 <li>
 Report preparation (weekly / monthly / quarterly / yearly).
 </li>
 </ul>
 
 
 
 
 
 Qualifications
 
 
 
 The ideal candidate should have the following qualifications:
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Accounting or related field required.
 </li>
 <li>
 At least minimum
 
 4-5 years
 
 credit or related experience.
 </li>
 <li>
 
 Fluency in English is a MUST
 
 . French language knowledge is preferable.
 </li>
 <li>
 Ability to establish and maintain good client relationships, both internally and externally at all levels.
 </li>
 <li>
 Ability to reconcile complex accounts and have excellent attention to detail.
 </li>
 <li>
 Competence in Microsoft Office products
 
 (proficiency in xls is a must)
 
 and accounting software programs like ORACLE.
 </li>
 <li>
 Knows and applies the fundamental concepts, practices and procedures of credit analysis.
 </li>
 <li>
 Strong math and credit analytical skills.
 </li>
 </ul>
 
 
 *No military obligation for male candidates.*
 
 
 
 
 
 
 
 What we can offer:
 
 
 <ul>
 <li>
 Flexible working hours
 </li>
 <li>
 Attractive salary package
 </li>
 <li>
 Workplace &amp; work hours flexibility
 </li>
 <li>
 Structured learning and development / Mentoring program
 </li>
 <li>
 International environment
 </li>
 <li>
 Events like International Women&rsquo;s Day, Earth Day, etc.
 </li>
 <li>
 A growing and welcoming team with a good spirit!
 </li>
 </ul>
 
 
 Who we are! - Our Story:
 
 
 
 
 Every voice. Every day!
 
 Eight Values
 
 . One Team!
 
 
 
 Being open to every voice, every day, brings our value of diversity to life and makes Avery Dennison a vibrant and engaging place to be. We understand diversity and equal opportunities as enrichment for our future-oriented work. Across our diverse, global team, every voice makes us stronger. When we listen to and learn from each other, there is no limit to what we can achieve together. Each of us is unique, and we appreciate bringing together different personalities and talents.
 
 
 Avery Dennison is an equal-opportunity employer. In the
 
 EMEA region
 
 , we have these
 
 Employee Resource Groups
 
 :
 
 <ul>
 <li>
 
 EmpoWer
 
 - focusing on the engagement, mentoring, and promotion of women
 </li>
 <li>
 
 Mental Health
 
 - striving to provide a safe space for employees to discuss mental health issues in the workplace
 </li>
 <li>
 
 Unite
 
 - supporting the LGBTQI+ and ally community in the EMEA region
 </li>
 </ul>
 
 To find out more about
 
 all our employee resources groups globally
 
 as well as our
 
 Diversity, Equity &amp; Inclusion
 
 approach, please go to our Diversity and Inclusion pages in the About Us section of our website:
 
 https://www.averydennison.com/en/home/about-us/diversity-and-inclusion.html
 
 
 
 At Avery Dennison, we do what we love, and we love what we do - Just click here, and get to know us better:
 
 Life @ Avery Dennison
 
 (
 
 linkedin.com/company/avery-dennison/life/emea
 
 )
 
</div>

Bridgewater Bank

<div>We are seeking an experienced and analytical Credit Analyst Lead to manage and develop a team of the bank&rsquo;s Credit Analysts. Reporting to the AVP Credit Administration, this role will be responsible for the assignment and review of various underwriting requests from the Lending teams they support. In addition, the role will support the underwriting needs of Lenders by evaluating the financial condition of individuals and businesses applying for lending credit with the bank. The Credit Analyst Lead will typically work on larger and more complex transactions.

RESPONSIBILITIES:
<ul>
<li>Manage and develop a Credit Analyst team as follows:
<ul><li>Establish individual development plans; determine individual training needs; provide ongoing one-on-one training; and conduct employee annual reviews and 5-5-5 meetings</li>
</ul></li><li>Assign new loans, modifications, annual reviews and other tasks to team members</li>
<li>Review the work product of team members for accuracy and compliance with loan policies and department processes</li>
<li>Prepare credit presentations to be used in the credit approval process including cash flow analysis, forecasting of future performance, industry trends and loan performance histories</li>
<li>Collect, review and analyze loan requests, financial information and collateral evaluations for larger, more complex deals</li>
<li>Prepare annual reviews of existing loan relationships</li>
<li>Approve covenant testing, annual reviews and other post-approval changes as necessary</li>
<li>Assist credit department managers with special projects for managing risk in the loan portfolio</li>
<li>Promote positive, professional relationships with and among the Credit Analyst staff</li>
<li>Stay abreast of industry trends and regulatory changes affecting the department</li>
<li>Adhere to the bank&rsquo;s policies, procedures, security requirements and government regulations</li>
</ul>
QUALIFICATIONS:
<ul>
<li>Bachelor&rsquo;s degree in Finance, Economics, Business or related field</li>
<li>4+ years of commercial underwriting experience</li>
<li>Strong analytical and reasoning skills</li>
<li>Excellent written, verbal, and interpersonal communication skills</li>
<li>Strong organizational skills</li>
<li>Proficiency in Microsoft Word, Excel, PowerPoint and Outlook</li>
</ul>
ABOUT BRIDGEWATER BANK:

Picture yourself at one of the Twin Cities&rsquo; best places to work, surrounded by people who challenge you, support you, and inspire you to be your best. Welcome to Bridgewater Bank.

We&rsquo;re on a mission to be the finest entrepreneurial bank in the Twin Cities. Like true entrepreneurs, we run fast and lean. We are in constant evolution and the runway for personal and professional growth is long. People are our strength, and that&rsquo;s why we&rsquo;ve created and sustained an award-winning culture that promotes growth and celebrates the big and little wins along the way.

At the end of the day, we believe competitive salaries, top-tier benefits, a hybrid work model, and transparency into the business is a given. Working together toward something meaningful with people you enjoy, is just a bonus! Will you join us?

COMPENSATION &amp; BENEFITS:

The typical annual base pay range for this role is between $90,000 - $94,500. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance.

Bridgewater Bank provides a broad offering of competitive benefits including (but not limited to):
<ul>
<li>Healthcare (medical, dental, vision)</li>
<li>Basic term and optional term life insurance</li>
<li>Short-term and long-term disability</li>
<li>Parental leave</li>
<li>401(k) with employer match</li>
<li>Paid vacation &amp; paid holidays</li>
</ul>
PLEASE NOTE:

The above is intended to describe the general content of and requirements for this position. It is not to be construed as an exhaustive list of duties, responsibilities, or requirements. It is Bridgewater Bank&rsquo;s policy to promote equal employment opportunities. All personnel decisions, including, but not limited to, recruiting, hiring, training, promotion, compensation, benefits and termination, are made without regard to race, creed, color, religion, national origin, sex, age, marital status, sexual orientation, gender identity, citizenship status, veteran status, disability or any other characteristic protected by applicable federal, state or local law.

STATUS: Exempt
Equal Opportunity Employer 
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.</div>

Credit Analyst Lead

<div>Credit Analysis:
To perform credit analysis of all credit proposals originating from commercial banking, covering both qualitative and quantitative factors including balance sheet, Income statement, cash cycle, cash flow and ratio analysis to determine financial need and capacity for effective credit decision making. 
Credit Evaluation:
To conduct credit evaluation as per HBL internal credit policy/procedures and SBP prudential guidelines and other regulatory requirements to ensure that our exposure remains compliant with internal and external policies.
Turnaround Time:
Processing of credit proposals within stipulated TAT and to maintain CP tracking sheet to keep record of queries and response time with the ultimate objective that credit requests are attended in a timely manner.
Value Addition:
To bring improvement, analyst needs to do value addition in credit analysis and evaluation process by picking early warning signals, highlighting key risks and mitigants and bringing innovative ideas and suggestions in order to have a secure and comprehensive credit evaluation process.
Industry Reviews:
Analyst needs to do periodic industry reviews to have updated knowledge of key industries of economy
Monitoring:
To monitor and follow up past due mark-up/principal and NPL accounts, expiries, deferrals, approval covenants through internal MIS and classified credit reviews (CCRs) in coordination with business in order to keep check and balance.
Reports, Projects and Record Keeping:
To gather and prepare MIS reports, log and review sheets and preparations of various reports related to industry, sector, NPL, restructuring etc for self monitoring and for onward submission to middle/higher management in order to help decision making and budgeting process. Analyst needs to keep record and snapshot of key data including copies of full set of CPs (approved/declined), financials, ORR, CCRs, MIS reports, overdue &amp; NPL records etc for the purpose of record keeping and to support any future need during decision making process. Further, participation in any project may be required to represent risk management.
Communication, Self Development and Behavior
To have effective written and verbal communication, should take Initiatives for self-development through pursuing additional training / professional qualifications and must adhere to HBL core values to maintain professional behavior with co-workers/team players and external customers as defined in Bank&rsquo;s Code of Ethics.
Support Role:
To provide support and assistance to Risk Managers and Head Commercial Risk for smooth work flow, quick TAT and effective decision making.
Additional Tasks:
Any additional task can be assigned by supervisor to mange work load and to meet deadlines.</div>
 <div>Minimum qualifications:
Business Degree &ndash; preferably BBA/MBA 
<ul><li>
</li></ul>Minimum experience: 
<ul><li>8-10 years of Credit Risk Management experience required.</li></ul></div>
 <div>Minimum qualifications:
Business Degree &ndash; preferably BBA/MBA 
<ul><li>
</li></ul>Minimum experience: 
<ul><li>8-10 years of Credit Risk Management experience required.</li></ul></div>

Senior Credit Analyst

Simmons Bank

<div>
 It's fun to work in a company where people truly BELIEVE in what they're doing!
 
 
 
 We're committed to bringing passion and customer focus to the business.
 
 
 
 The Credit Analyst I provides cursory analytical support for commercial banking, including spreading and preliminary analysis of existing customers and prospects.
 
 
 
 Essential Duties And Responsibilities
 
 
 
 <ul>
 <li>
 Provides support of loan officers and managers through financial statement spreading and analysis of new loan requests and existing credit relationships.
 </li>
 <li>
 Verify that all documents have been provided prior to a loan request being assigned to a Sr. Credit Analyst
 </li>
 <li>
 Prepares cash flow models for the basis of credit decisions.
 </li>
 <li>
 Prepares basic and preliminary credit analyses to aid in determining the viability of a potential credit opportunity, with supervision of Credit Manager or Credit Analyst III.
 </li>
 <li>
 Provides additional loan agreement / covenant monitoring support to commercial lending and underwriting groups.
 </li>
 <li>
 Provides on-going portfolio management through spreading of on-going required financial statements as they are received from the Bank&rsquo;s customers.
 </li>
 <li>
 Develops a base understanding of various types of lending facilities as well as a variety of companies and industries.
 </li>
 <li>
 Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
 </li>
 <li>
 Performs other duties and responsibilities as assigned.
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
 
 
 
 Skills
 
 
 
 <ul>
 <li>
 Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations. Ability to write reports, business correspondence, and procedures manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
 </li>
 <li>
 Ability to solve practical problems and deals with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
 
 
 </li>
 </ul>
 
 Education And/or Experience
 
 
 
 <ul>
 <li>
 BS/BA Degree in Business, Finance or a related field is required.
 </li>
 <li>
 1-3 years&rsquo; work experience preferred.
 
 
 </li>
 </ul>
 
 Computer Skills
 
 
 
 <ul>
 <li>
 MS Office programs
 
 
 </li>
 </ul>
 
 Certificates, Licenses, Registrations
 
 
 
 <ul>
 <li>
 None
 
 
 </li>
 </ul>
 
 Other Qualifications (including Physical Requirements)
 
 
 
 <ul>
 <li>
 Ability to manage multiple projects.
 </li>
 <li>
 Strong analytical and organizational skills.
 </li>
 <li>
 Excellent written and verbal communication skills.
 </li>
 <li>
 Proficiency in Microsoft Word and Excel.
 
 
 </li>
 </ul>
 
 Other
 
 
 
 Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Activities, duties and responsibilities may change at any time with or without notice.
 
 
 
 Skills Training
 
 
 
 <ul>
 <li>
 Communication, Time Management, Critical Thinking, Judgment and Decision Making
 
 
 </li>
 </ul>
 
 Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.
 
</div>

Credit Analyst I

Uline

<div><div>Senior Credit Analyst
Corporate Headquarters
12575 Uline Drive, Pleasant Prairie, WI 53158
At Uline, we play the long game. As a Senior Credit Analyst, your insight will support financial strategy, manage risk and help sustain the growth of a business built for long-term success.
Careers Packed with Potential. Backed by 45+ years of success, Uline offers opportunities to grow your career with stability you can count on.
Position Responsibilities
</div><div><div><div><div><div><div><div><div><div><ul><li>Prepare detailed written analyses of customers&rsquo; financial statements and account activity within Uline&rsquo;s AR portfolio.
</li><li>Assess financial risk by evaluating industry trends and credit reports for Uline portfolio accounts.
</li><li>Set and adjust credit limits based on customer requests, credit reports, financial results, research and payment experience.
</li></ul>Minimum Requirements
<ul><li>Bachelor's degree.
</li><li>Strong understanding of financial statements, ratios and concepts.
</li><li>2+ years of experience in credit, collections or a call center environment preferred.
</li></ul>Benefits
<ul><li>Complete health insurance coverage and 401(k) with 6% employer match that starts day one!
</li><li>Multiple bonus programs.
</li><li>Paid holidays and generous paid time off.
</li><li>Tuition Assistance Program that covers professional continuing education.
</li></ul>Employee Perks
<ul><li>On-site caf&eacute; and first-class fitness center with complimentary personal trainers.
</li><li>Over four miles of beautifully maintained walking trails.
</li></ul>About Uline
Uline, a family-owned company, is North America&rsquo;s leading distributor of shipping, industrial, and packaging materials with over 9,000 employees across 14 locations.
Uline is a drug-free workplace. All new hires must complete a pre-employment hair follicle drug screening. All positions are on-site.
EEO/AA Employer/Vet/Disabled
#LI-CD1
#CORP
(#IN-PPFIN)
</div></div></div></div></div></div></div></div></div>Our employees make the difference and we are committed to offering exceptional benefits and perks! Explore https://www.uline.jobs/#working-here_blankUline.jobs to learn more!</div>

VINAY GOENKA AND COMPANY

Credit Analysist for doing work of loan syndication for MSME clients which includes machines loan, cash credit limits , LAP etc. The candidate should have knowledge of preparing project report , CMA Data, Ratio analysis and CAM/ Note for Bank loan approval, also other ancillary documents like loan application , Net worth Statement etc.Job Type: Full-timePay: &#8377;150,000.00 - &#8377;400,000.00 per yearWork Location: In person

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