Responsibilities

Responsibilities:
- Preparing credit applications / annual reviews of counterparties to assess their credit quality, recommending appropriate credit limits, obligor rating, terms and conditions that address client credit risk and transaction risk.
- Assure Annual Reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines.
- Assure post approval activities and other credit related tasks are completed on time.
- Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations.
- Reviewing all relevant legal documentation (i.e. credit agreements, Guaranty, ISDA, CSA) and proposing changes as

necessary to comply with SG policies.
- Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned.
- Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality including monitoring covenants and watch list triggers.
- Assist Team Lead in managing workload.



Be proactive to take up ad-hoc and complex assignments while not impacting the scheduled annual reviews.
Profile required

Profile Required:

4-8 years of relevant experience
- Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and regulatory issues governing relevant sectors
- Good understanding of various legal agreements (term sheet, Credit Agreement, ISDA & CSA, GMRA, GMSLA, SBLC

agreement) and ability to assess credit terms and conditions, including financial covenants, security and collateral
- Knowledge of capital markets / traded products, commercial financing facilities and investment banking products
- Solid writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.) and making a recommendation
- Ability to prepare financial models / forecasts for various scenarios
- Ability to complete work with minimal or no supervision an

📌 Lead Credit Analyst (Bengaluru)
🏢 Société Générale
📍 Bengaluru