Credit Analyst - PSL

Job Description

* Purpose:- To support Relationship Management teams in the following activities,
• Carry out the assessment of Originator / Servicer to meet the bank s TMRAC to undertake PTC transactions.
• Understanding originator business, portfolio and data gathering for underwriting process.
• Preparation of Pre-screener on the Originator / Servicer if it is NTB
• Preparation and submission of Credit Memo to RMG
• Undertaking assessment on Originator s portfolio cuts data to arrive at a pool selection parameters to carry out PTC transaction.
• Undertaking pool assessment which is cheery picked from the originator s submitted pool.
• Liaising with rating agency/trustee/originators for data requirements for undertaking assessment on shortlisted pool.
• Assisting RM in execution of entire PTC transaction
• Monitoring the monthly payout report as submitted by the trustee
• Support RM to carry out pool due diligence pre/post transaction execution.
• Highlighting any early warning signs of the PTC portfolio to the RMs
• Manage the existing portfolio of all clients for the designated relationship teams.
Key Accountabilities:-
• To prepare accurate credit proposals in a consistent, concise and lucid manner.
• To maintain close working relationship with Originator/trustee/rating agencies to ensure that PSL deliverables (specific to Securitization sector business) are met.
• Need-based meeting with Originators/rating agencies/trustee to understand business and attendant risks.
• To monitor PTC portfolio for irregularities/ excesses/ breaches/ delays.
• Ensure assistance to RM for external & internal audits.
• Control and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.
• Monitor and ensure adherence to risk service standards.
Job Duties & Responsibilities:-
• Preparing originator s financial spreads which are consistent, error-free and in line with classification parameters used in DBS.
• Providing concise and relevant financial analysis by clearly identifying risks.
• Ensure supervision reviews are completed prior to due date and are error free.
• Interact and follow up with originators on required information and clarifications.
• Adhere to the risk management guidelines of DBS, MAS and RBI.
• Ensuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of Securitization industry.
• Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets.
Required Experience:-
• Overall 5-8 years of experience in credit risk analysis, documentation and sales support activities.
• Proven sales track record in asset business in the Securitization business.
• Thorough knowledge of Securitization ecosystem. Key players, intermediators, Legal issues & regulations.
Education / Qualification:- An MBA or CA with relevant number of years of experience in banking and specifically in Securitization space. Core Competencies:-
• Good written and verbal communication skills
• Good Analytical skills.
• Self-driven and highly ambitious
• Results-orientated & the ability to handle pressure
• Relationship building & management skills
• Understanding of competitor products
• Comfortable with tight deadlines.
Technical Competencies:-
• Thorough understanding of Securitization ecosystems, regulations & market practices
• Sound understanding of asset products and associated technology platforms and operational procedures
• Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical.
• Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with originators.
Work Relationship:- Close interaction with RMs / rest of PSL Team and other stakeholders including Credit risk teams (RMG), Finance etc. ,

Keyskills :
creditbankingfinancial statementsriskfinancecredit risk analysiscredit risklegal issuessales supportdue diligencerisk analysisearly warningrisk managementfinancial markets