CRISIL Global Research & Analytics (GR&A) is the largest and top-ranked provider of high end research and analytics services to the world's leading commercial and investment banks, insurance companies, corporations, consulting firms, private equity firms and asset management firms. CRISIL GR&A operates from centres in Argentina, China, India and Poland, providing support across several time zones and in multiple languages to global organizations. It has deep expertise in the areas of equity and fixed income research (covering global economies, 150 global sectors and over 3000 global companies), credit analysis, exotic derivatives valuation, structured finance, risk modelling and management, actuarial analysis and business intelligence.
Job Duties-
Support the transaction management function of global banks in establishing and effectively managing the credit risk loan process:
* Contribute to the build and development team to support loan origination and lifecycle management which includes large complex syndicated and bilateral loans covering but not limited to corporate, commercial, real estate, structured lending and trade
* Good grasp of all lending transaction related documentation and must ensure that quality of data, controls and processes performed meet internal policies and regulatory requirements/expectations
* Strong understanding of loan products across both bilateral and syndicated deals and developing an understanding for bank’s existing framework and understand information management practices including onboarding, pre close requirements, closing and funding for all bilateral and syndicated corporate loans
* Strong understanding of attributes and data points in the loan lifecycle, complemented by experience in taxonomy creation and data mapping during large-scale migration
* Support post close servicing through:
* Covenant Monitoring: Systematic recording of covenant, periodic covenant assessment and monitoring for the designated portfolio
* Collateral Management: Monitoring the supporting collateral for secured loans, reviewing all daily reports and borrower collateral activity; input accurately and verify all necessary data to the collateral monitoring and loan administration system
* Coordinate with other work streams to ensure data collection / remediation efforts or outcomes adhere to project plans and requirements
* Develop and enhancing client relationships by the achievement of client’s Key Performance Indictors (KPIs), regular client meetings, use of market knowledge / best practice sharing, and demonstrating value add
* Build an adequate governance structure for timely connects with stakeholders to discuss data remediation plans, manage escalations, and effectively close the remediation process
* Develop and maintain metrics, scorecards, and dashboards to report on progress and impact of data quality remediation efforts
* Liase with client’s operations team to understand the delivery requirements at every stage as well as for any ambiguity in client instruction
* Ensure process delivery as per Service Level Agreement at all times. Ensure service quality is maintained as per agreed KPI
Skills required-
Should have 3+ years of experience in credit risk/lending function
* Loan processing or transaction management experience, gained either through industry or within a consulting environment; Corporate Lending team or Loan Operation’s experience
* Project management / people management experience is must
* Experience of relational database management, front to back system data flows, data handling, transmission, aggregation
* Demonstrated experience of working with financial products life cycles and associated data needs; knowledge/ experience of credit data operations
* Excellent communication skills in English (verbal and written)
Personal attributes/ Interpersonal skills required-
* Independent and decisive mindset; strong analytical and problem-solving skills; a structured working style with passion for deep diving into problems
* Team player
* Ability to work on tight deadlines
* Excellent written and oral communication skills