Senior Research Analyst - Asset Backed Lending Credit Analysis

Senior Research Analyst - Credit Analysis - Asset Backed Lending

Department

None

Job Description

Role Overview:

We are seeking an experienced professional with 4-7 years of demonstrated expertise in asset-backed lending (ABL), preferably US clients. The ideal candidate must be a postgraduate and must have a robust understanding of ABL credit risk assessment and collateral management.

Key Roles & Responsibilities

Key Responsibilities:

Roles and responsibilities

·     Prepare comprehensive credit assessment reports for ABL borrowers, covering business and management analysis, financial spreading and modelling, availability tracking, covenant monitoring, trend card preparation, obligor risk grading, and site evaluation reviews

·     Perform detailed borrowing base analyses, including excess availability and debtors aging, to accurately determine net collateral availability and liquidity position of borrowers

·     Conduct monthly collateral assessments, including eligibility reviews, and analyze variances between borrower-reported figures and system-generated outputs to ensure accuracy and compliance

·     Demonstrate strong understanding of credit agreements, with the ability to review, interpret, and succinctly summarize key deal terms, structures, and covenants

·     Ensure high-quality and timely deliverables, consistently maintaining strong client satisfaction and proactively addressing feedback

·     Develop and maintain strong client relationships through effective communication, responsiveness, and domain expertise

·     Act as a mentor to junior analysts by providing training, performing quality reviews, and delivering constructive feedback to drive team capability enhancement

·     Serve as a subject matter expert in the ABL domain, participating in client-facing discussions and providing insights on credit and collateral-related matters

·     Support new business initiatives by engaging in client pilots, solution design, onboarding, and review processes for new mandates

·     Demonstrate the ability to work independently in a high-pressure, deadline-driven environment, managing multiple priorities effectively

Essential Skills & Qualifications Required

·     MBA/CA/CFA

·     4-7 years of experience in commercial lending focussing on asset-backed lending for global banks

·     Working experience on systems like – Loan IQ, nCino, Moody’s CreditLens, Solifi (formerly Stucky ABL) and Capital IQ etc.

·     Advanced Excel and financial modelling capabilities

·     Strong stakeholder management and presentation skills

·     Excellent organization, oral, and written communication skills with ability to listen to requirements and business problems to respond with appropriate solution

Location: Gurgaon

Open Positions

1

Mandatory Skills

Senior Research Analyst

Education Qualification

MBA/CFA/M Com

Experience

4 to 7 years