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.
• Be proactive to take up adhoc and complex assignments while not impacting the scheduled annual reviews.




• Assist team lead in managing the portfolio by training new joiners and taking up complex files.

Required

Profile required

• Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and regulatory issues governing relevant sectors
• Valuable 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
• Strong 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 and a

📌 Lead Credit Analyst (Bengaluru)
🏢 Societe Generale Global Solution Centre
📍 Bengaluru