SR. CREDIT ANALYST

Primary Purpose of the Job:

• Perform credit assessments based on the approved credit risk model and credit rating tools, prepare credit notes with recommendations for credit terms.
• Deliver credit assessment at the credit committee level and other forums where approval is required.
• Ongoing/Daily monitoring of the credit exposures to customers and banks to ensure exposures are within approved limits and take exceptional approvals as per policy if required. Prepare regular reports/ MIS and analysis for effective monitoring and control.
• Provide research and analysis to help identify risk and drive strategy that focuses on the external market and macro environment.
• Tracking the credit portfolio against the credit risk appetite framework, conducting stress test and suggesting corrective measure if any.
• Interact with business units to ensure that credit risk assessments are factored into business decisions.
• Review and provide credit recommendations for Letter of Credits, Parent Company Guarantees, Master agreements, Confirmation Notices, ISDA, CSAs.

Required Experience and Skills:

• Experience of 10-15 years in a similar role in a Oil & Gas company, Oil & Gas / commodities trading firm or a large bank.
• Have very good report writing skills.
• Possess strong analytical skills.
• Knowledge of Expected Credit Loss (ECL), IFRS 9 and Potential Future Exposure (PFE) models would be advantageous.
• Should be tactful and have logical approach to problem solving.
• Should have good command of written and spoken English.
• Ability to deal with conflict effectively and challenge when necessary.
• Should be result oriented and focused team player with strong communication and interpersonal skills.

Educational Qualifications:

• Bachelor's degree in Finance, Economics, or related field.
• Professional certifications such as CFA, FRM, PRM is preferred.