Sr.Analyst-Bank Credit Risk

Job Title Sr. Analyst - Bank Credit Risk

Business Unit Market Risk

Reporting To Section Head - Bank Credit Risk

Job Function and Role Type Assessment of Banks for defining Limits/Exposures, Individual Contributor

Version No 1

Job Purpose Assess banks across geographies to define limits and exposures. Ensure compliance with regulatory thresholds and expand bank coverage.

Key Responsibilities Carry out key financial analysis and credit appraisal of counterparty banks Review balance sheets and financials to determine feasible exposures; Define appetite and allocate limits for various facilities; Monitor quarterly results, key ratios, and liquidity conditions. Track movements in external ratings along with macro-economics and banking sector news Monitor rating actions and assess their impact on banks; Analyze macroeconomic conditions and banking sector developments; Present assessments to the supervisor.

Initiate internal ratings of domestic and foreign banks Review financials and management to assess internal ratings; Propose ratings for review and approval; Enhance internal rating models as required. Stay abreast with regulatory changes for banks in various geographies Track regulatory changes and their impact on bank exposures; Align frameworks with evolving regulations and submit updates. Address business queries on bank limits and transaction requests Engage with business units to understand limit requirements; Clarify restrictions and conditions for releasing limits; Banks In-Case Of Exigencies Or Adverse Developments; Evaluate emerging developments and review limit frameworks; Suggest modifications and coordinate with business units for revisions.