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credit analyst- wholesale credit

Bengaluru, KA
Job Code:
  • Banking & Finance
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Job Details

job description?The Portfolio Credit Analyst III is responsible for Credit Analysis and Risk Management of an existing portfolio of commercial merchant accounts. The successful candidate will minimize the credit risk and financial loss the merchant account provides to the firm through thoughtful, detailed analysis of financial statements. Perform a detailed financial statement analysis (balance sheet, income statement and statement of cash flows) based on key financial ratios extracted from private or public company financials. Perform a formal narrative financial analysis (underwriting) of varying length on the financial statements provided by the company; narrative summary on company background, processing history, ownership and management. Recommend final credit decision and approval terms Perform collateral reserve reviews upon merchant's request and recommends an ongoing strategy to increase/decrease the collateral reserve requirement. Review contractual terms of Chase Commerce Solutions legal agreements. Review business model and processing characteristics for existing merchants to ensure and report on compliance with Payment Brand rules and regulations. Perform portfolio ad-hoc analysis as needed.qualification? 3 to 5 years commercial credit underwriting or lending experience with a financial institution or leasing company Preferably a post graduate or an advanced degree in business management, finance or accounting; Strong financial statement analytical ability; Excellent narrative writing and critical thinking abilities Solid understanding of complex financial ratios and the overall impact on what they mean with respect to financial stability Research and information gathering capabilities Ability to develop and recommend financial risk strategies based on well researched facts and analytics Strong customer communication skills Good organization skills and ability to work within time constraints in a highly regulated industry
Additional Degree: BA (Arts) | B.Com. (Commerce) | B.Pharm. (Pharmacy) | B.Plan. (Planning) | B.Sc. (Science) | BBA/ BBM/ BBS | BCA (Computer Application) | Diploma-Other Diploma | B.Ed. (Education) | BHM (Hotel Management)

Experience: 3-5


Risk/Credit/Economic Analyst | Underwriter
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