Mogul Chix
New York, New York, United States Confidential Client
About the job Analyst Portfolio Credit Monitoring 3 - 12 years of experience in the credit transaction life cycle, with a strong understanding of credit products, exposures and limit management process, documentation and credit assessment, covenant monitoring, and early warning indicators (EWI) monitoring
Support credit risk function of global banks in effective monitoring of EWI, covenants and exposure limits. The identified associate will provide execution support for Portfolio Credit Management & Limit Monitoring processes:
Responsibilities
Implementation support of Early Warning Indicator (EWI) Monitoring platform; identify and monitor appropriate red flags in advance
Support in implementation of the EWI platform to different segments of the assigned portfolio and monitor the EWI triggers daily
Assess EWIs at various levels of granularity for timely corrective action
Validate the relevancy/materiality of triggers, identify false positives and flag off true positive alerts and accordingly assess effectiveness of alerts generated by the system
Highlight true trigger breaches to the accountable stakeholders for actioning and follow-up to completion
Prepare analytical short notes on the underlying drivers for EWI trigger breaches
Leverage domain and industry experience to provide feedback on EWI thresholds (financials, sentiments, macro data, market indicators, industry data, ESG, internal data) and suggest recalibration of thresholds
Understand the evolving regulatory environment to suggest requisite amendments
Provide effective execution for limit / covenant monitoring and portfolio management process
Understand existing framework, policies, and acceptable thresholds for undertaking monitoring of credit limits and covenants
Understand existing covenant terms and technicalities from credit agreement and any subsequent amendments, required step‑ups/downs and waivers and apply changes as deemed fit to existing systems
Track accurate actual reported levels (covenants/ exposure limits), validate and identify/report breaches against established thresholds/ internal policies
Escalate discrepancies to team lead and relevant stakeholders
Qualifications
CA/MBA Finance/CFA/FRM
Should have 5 to 12 years of experience in credit risk function
Associate with Credit Officer/Analyst background in wholesale lending is strongly preferred
Credit risk, approval/ monitoring experience, gained either through industry or within a consulting environment; Corporate, commercial/ SME or IB experience
Experience with high yield and impaired credits; Knowledge/ experience of multiple credit products (e.g. TL, RCF, cap markets, derivatives etc.). Good understanding of wholesale lending and different sector dynamics risk indicators
Should be familiar with credit monitoring process from an EWI perspective
Willingness to dig deep into data, and build additional insights into the credit portfolio
Reporting skills in tools such as Tableau, SQL, Python, BI Power etc.
Excellent communication skills in English (verbal and written); knowledge of Spanish, Polish or Chinese would be an added advantage
Independent and decisive mindset; good analytical and problem‑solving skills; a structured working style with passion for deep diving into problems
Ability to work on tight deadlines
Good written and oral communication skills
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About the job Analyst Portfolio Credit Monitoring 3 - 12 years of experience in the credit transaction life cycle, with a strong understanding of credit products, exposures and limit management process, documentation and credit assessment, covenant monitoring, and early warning indicators (EWI) monitoring
Support credit risk function of global banks in effective monitoring of EWI, covenants and exposure limits. The identified associate will provide execution support for Portfolio Credit Management & Limit Monitoring processes:
Responsibilities
Implementation support of Early Warning Indicator (EWI) Monitoring platform; identify and monitor appropriate red flags in advance
Support in implementation of the EWI platform to different segments of the assigned portfolio and monitor the EWI triggers daily
Assess EWIs at various levels of granularity for timely corrective action
Validate the relevancy/materiality of triggers, identify false positives and flag off true positive alerts and accordingly assess effectiveness of alerts generated by the system
Highlight true trigger breaches to the accountable stakeholders for actioning and follow-up to completion
Prepare analytical short notes on the underlying drivers for EWI trigger breaches
Leverage domain and industry experience to provide feedback on EWI thresholds (financials, sentiments, macro data, market indicators, industry data, ESG, internal data) and suggest recalibration of thresholds
Understand the evolving regulatory environment to suggest requisite amendments
Provide effective execution for limit / covenant monitoring and portfolio management process
Understand existing framework, policies, and acceptable thresholds for undertaking monitoring of credit limits and covenants
Understand existing covenant terms and technicalities from credit agreement and any subsequent amendments, required step‑ups/downs and waivers and apply changes as deemed fit to existing systems
Track accurate actual reported levels (covenants/ exposure limits), validate and identify/report breaches against established thresholds/ internal policies
Escalate discrepancies to team lead and relevant stakeholders
Qualifications
CA/MBA Finance/CFA/FRM
Should have 5 to 12 years of experience in credit risk function
Associate with Credit Officer/Analyst background in wholesale lending is strongly preferred
Credit risk, approval/ monitoring experience, gained either through industry or within a consulting environment; Corporate, commercial/ SME or IB experience
Experience with high yield and impaired credits; Knowledge/ experience of multiple credit products (e.g. TL, RCF, cap markets, derivatives etc.). Good understanding of wholesale lending and different sector dynamics risk indicators
Should be familiar with credit monitoring process from an EWI perspective
Willingness to dig deep into data, and build additional insights into the credit portfolio
Reporting skills in tools such as Tableau, SQL, Python, BI Power etc.
Excellent communication skills in English (verbal and written); knowledge of Spanish, Polish or Chinese would be an added advantage
Independent and decisive mindset; good analytical and problem‑solving skills; a structured working style with passion for deep diving into problems
Ability to work on tight deadlines
Good written and oral communication skills
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