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- Tasks: Support global banks in managing credit risk loan processes and enhance client relationships.
- Company: Join CRISIL GR&A, a top-ranked provider of research and analytics for leading financial institutions worldwide.
- Benefits: Gain experience in a dynamic environment with opportunities for professional growth and development.
- Why this job: Be part of a team that impacts global finance while developing your analytical and problem-solving skills.
- Qualifications: 3+ years in credit risk/lending; strong communication skills; project management experience required.
- Other info: Work across multiple time zones and collaborate with diverse teams globally.
The predicted salary is between 36000 - 60000 £ per year.
CRISIL Global Research & Analytics (GR&A) is the largest and top-ranked provider of high end research and analytics services to the world\’s leading commercial and investment banks, insurance companies, corporations, consulting firms, private equity firms and asset management firms. CRISIL GR&A operates from centres in Argentina, China, India and Poland, providing support across several time zones and in multiple languages to global organizations. It has deep expertise in the areas of equity and fixed income research (covering global economies, 150 global sectors and over 3000 global companies), credit analysis, exotic derivatives valuation, structured finance, risk modelling and management, actuarial analysis and business intelligence.
Job Duties-
Support the transaction management function of global banks in establishing and effectively managing the credit risk loan process:
- Contribute to the build and development team to support loan origination and lifecycle management which includes large complex syndicated and bilateral loans covering but not limited to corporate, commercial, real estate, structured lending and trade
- Good grasp of all lending transaction related documentation and must ensure that quality of data, controls and processes performed meet internal policies and regulatory requirements/expectations
- Strong understanding of loan products across both bilateral and syndicated deals and developing an understanding for bank’s existing framework and understand information management practices including onboarding, pre close requirements, closing and funding for all bilateral and syndicated corporate loans
- Strong understanding of attributes and data points in the loan lifecycle, complemented by experience in taxonomy creation and data mapping during large-scale migration
- Support post close servicing through:
- Covenant Monitoring: Systematic recording of covenant, periodic covenant assessment and monitoring for the designated portfolio
- Collateral Management: Monitoring the supporting collateral for secured loans, reviewing all daily reports and borrower collateral activity; input accurately and verify all necessary data to the collateral monitoring and loan administration system
- Coordinate with other work streams to ensure data collection / remediation efforts or outcomes adhere to project plans and requirements
- Develop and enhancing client relationships by the achievement of client’s Key Performance Indictors (KPIs), regular client meetings, use of market knowledge / best practice sharing, and demonstrating value add
- Build an adequate governance structure for timely connects with stakeholders to discuss data remediation plans, manage escalations, and effectively close the remediation process
- Develop and maintain metrics, scorecards, and dashboards to report on progress and impact of data quality remediation efforts
- Liase with client’s operations team to understand the delivery requirements at every stage as well as for any ambiguity in client instruction
- Ensure process delivery as per Service Level Agreement at all times. Ensure service quality is maintained as per agreed KPI
Skills required-
Should have 3+ years of experience in credit risk/lending function
- Loan processing or transaction management experience, gained either through industry or within a consulting environment; Corporate Lending team or Loan Operation’s experience
- Project management / people management experience is must
- Experience of relational database management, front to back system data flows, data handling, transmission, aggregation
- Demonstrated experience of working with financial products life cycles and associated data needs; knowledge/ experience of credit data operations
- Excellent communication skills in English (verbal and written)
Personal attributes/ Interpersonal skills required-
- Independent and decisive mindset; strong analytical and problem-solving skills; a structured working style with passion for deep diving into problems
- Team player
- Ability to work on tight deadlines
- Excellent written and oral communication skills
Analyst - Loan processing employer: Crisil
Contact Detail:
Crisil Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Analyst - Loan processing
✨Tip Number 1
Familiarize yourself with the specific loan products and processes mentioned in the job description. Understanding the nuances of bilateral and syndicated loans will give you an edge during interviews.
✨Tip Number 2
Network with professionals in the credit risk and lending sectors. Engaging with industry experts can provide insights into the role and may even lead to referrals.
✨Tip Number 3
Brush up on your project management skills, as this role requires experience in managing projects and people. Consider taking a short course or certification if you feel you need to strengthen this area.
✨Tip Number 4
Prepare to discuss your experience with data handling and relational databases. Be ready to share specific examples of how you've managed data flows and ensured data quality in previous roles.
We think you need these skills to ace Analyst - Loan processing
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities and requirements of the Analyst - Loan Processing position. Familiarize yourself with the loan lifecycle, credit risk management, and the specific skills mentioned in the job description.
Tailor Your CV: Customize your CV to highlight relevant experience in credit risk, loan processing, and transaction management. Use keywords from the job description to ensure your application stands out to recruiters.
Craft a Strong Cover Letter: Write a compelling cover letter that explains why you are a great fit for the role. Mention your experience in managing credit risk and your understanding of loan products, as well as your analytical skills and ability to work under tight deadlines.
Proofread Your Application: Before submitting your application, carefully proofread all documents for spelling and grammatical errors. A polished application reflects your attention to detail and professionalism, which are crucial in the financial sector.
How to prepare for a job interview at Crisil
✨Understand the Loan Lifecycle
Make sure you have a solid grasp of the loan lifecycle, especially in relation to both bilateral and syndicated loans. Be prepared to discuss your experience with loan processing and how you've managed data points throughout the lifecycle.
✨Showcase Your Analytical Skills
Highlight your analytical and problem-solving skills during the interview. Prepare examples from your past experiences where you successfully navigated complex credit risk scenarios or improved processes.
✨Demonstrate Communication Proficiency
Since excellent communication skills are crucial for this role, practice articulating your thoughts clearly and concisely. Be ready to explain technical concepts in a way that is understandable to non-experts.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that assess your decision-making and project management abilities. Think of specific situations where you had to manage tight deadlines or coordinate with multiple stakeholders.
