EY Risk Consulting - MENA FS Credit Senior Consultant 

India, Kerala, Thiruvananthapuram 

587619048

Key Responsibilities

• Underwrite and improve credit decision making, review portfolio
• Perform in-depth analysis of financial statements, bank statements, business model and other credit parameters on the application, counter parties, related parties, market knowledge, with objective to build quality portfolio
• Have knowledge of credit risk related laws & regulatory requirements
• Design loans that suit the borrowers needs, prepare loan agreements
• Perform due diligence on potential borrowers and properties, legal document reviews, and title searches
• Use financial ratios, market trends, and industry benchmarks to evaluate likelihood of a borrower’s ability to repay a loan, considering factors such as debt-to-income ratio, property value and cash flow
• Apply internal risk models to evaluate borrower risk profiles.and creditworthiness,
• Perform risk analysis, evaluate credit metrics, and provide insights for credit decision-making and portfolio management
• Prepare and review credit memos
• Awareness on types of collaterals and the effect with defaulted / classified accounts
• Adequate knowledge on write-off methodology & application
• Awareness on default meaning, types, detection & reporting
• Awareness on restructured loans, types, implications & reporting

Required skills and experience:

• Bachelor's/Master’s degree in Finance, Business, Economics or a related field
• 4-6 years of experience in credit analysis within Corporate Banking, Credit Risk, or a Rating Agency.
• Credit writing experience, including credit memos, loan annual reviewsExpertise in credit analysis of Large Corporates, SMEs, FI’s, project finance etc.
• Ability to consult with business and technical teams of all levels including senior management
• Knowledge of regulatory requirements in credit analysis
• Detail-oriented with strong analytical skills
• Professional English language written and verbal skills
• Excellent communication and presentation skills

Good-to-have:

• Certificates in risk management like CFA & FRM are a plus
• Risk management and Controls knowledge/experience
• Willingness to travel to meet client needs

EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets.