Credit Analysis Specialist
Ahli United Bank - Kuwait
مجموع سنوات الخبرة :15 years, 5 أشهر
Providing independent oversight of business activities creating credit risk in order to support overall tisk taking activities in Ahli United Bank.
specializayion in Financial Institutions Group and Evaluating the credit worthiness of countries and counterparties amd assigning appropriate credit ratings.
Establishing credit limits and monitoring credit roak accumulation on country and counterparty levels.
Reporting to management via ratification memos for any breach in nostro or voatro accounts.
Assisting Rms in preparation of credit application memorandum, which includes the recent news, risk andmitigants and financial analysis of bank under review.
Assisting Unit heads with adequate and timely MIS data for assessing the credit exposures.
Introduced a spread sheet model that automates a formatted financial spreads of financial institutions under review.
Responsible for all subscription- Moodys, Fitch, Buisness object, Banceralsmanac, orbis bank focus, .
Prepating project reports from Meed Projects and circulated the same to the correspondence banks in order to eatablish trade finance deals.
Assisted Rms with regards to pricing of each bid bond or advance payment guarantees .
Assisting Unit head in communicating the availability of any potential business deal opportunities to the Corporate Banking Division.
interacting with Treasury dealing team with reagrds to getting approval for amendments/review of treasury limts for money market placements and FX daily settlements.
Specialization in Insurance and Healthcare Companies underwriting.
Analyzing credit risk of large corporates and non banking financial institution clients of Keybank in the United States.
Performing Annual Credit Review and Quarterly Risk Reviews across multiple sectors, including manufacyurong, healthcare, insurance and financial services.
Spread financial statesments using Moody's Risk Analyst (MRA) and prepared bank and sensitized projections models in MRA till loan exposure period using various assumptions.
Analysis of Business Model, Strategy, Key Risks & Mitigants industty, Financial stayement, ratio analysis, collateral analysis as per bank credit policy, preparation of capital structure tables, loan grid yable and forming an opinion on the client.
Prepare cash flow model using yhe historical and projection MRA spreads, anf calculate vatious financial tatios falling under the loan covenant compliance.
Prepare industry analysis for assigned portfolio manily insurance and conoperatives using sources like IBIS, SNL.
Perform Quarterly Risk Review as per the loan covenant compliance certificate and preparing Covenany complaince worksheet yo ensure no breach of bank covenants.
Proven research experience in uaing various database like Bloomberg, Thomson reuters, IBIS, SNL, Debt Domain, Syndtrax, Intralinks, and Loan IQ.
Mentoring of new joiners in overall job functionality described above.
Job Title: Analyst-Global Banking & Markets
Role Played: Credit Analysis FIG (UK) Credit Analyst
Duration: July 2008 till date. (4.5years)
Basic responsibilities: 1. To prepare a detailed Credit Analysis of the Insurance companies located in the United Kingdom, Singapore, Hong Kong and India on an annual basis.
2. To prepare write ups on new monies reviews which are new facility limits that are given to new clients of HSBC Bank.
3. Working on the credit rating scorecards/models and providing timely recommendation about the credit quality of the companies.
4. Regular sector presentations and knowledge sharing within team.
5. Responsible for the work flow management of the entire FIG team located at Bangalore and
Kolkata.
6. Mentoring a team of 2 Associates-Global Banking and Markets who are a part of the Work flow management team.
7. Providing quality and timey services to the client.
8. Interact with the onshore RM and clients on Global annual reviews.
9. To provide financial analysis and customer risk ratings for the insurance counterparties considered as Separate Managed Accounts by the FUNDS Team of HSBC.
PRESENT Annual CTC- INR6.8 Lakhs Plus INR1.2Lakhs
Qualification Board/University Institution Year of Completion MBA MAHE, Karnataka M.I.M, Manipal 2008
BBM MANGALORE U.P.M.C 2003
Masters in Business Adminstration,Manipal academy of higher education. 2008 Bachelor of Buisness Management,Mangalore University,Karnataka, India. 2003