• Preparing credit reports by including profile of the counterparty, key rating considerations, credit risk assessment, CAMEL based financial analysis (including profitability, Assets Quality, capitalization, liquidity etc). (South America and Central America)• Manage credit functions related to Corporate, Funds and NBFI (Banks).• Knowledge in RAROC, Basel III capital treatment of loans.• Reviewing financial Analysis - balance sheet analysis, cash flow analysis, risks and mitigants, company's business model, industry positioning etc. Financial spreading and preparation of credit reports. • Review of the facilities covenant tracking, credit alarm reports, routine monitoring of credit profiles of customers by way of quarterly/ half-yearly reports or updates.• Tenured Credit Analyst with expertise in analyzing creditworthiness of clients. Experienced in developing and implementing risk management strategies.• Dynamic Credit Analyst with extensive knowledge of banking regulations and credit policies. Adept in analyzing financial documents and assessing credit risk.• Manage and monitor credit exposure information on the corporate credit systems.• Knowledge of Legal documentation knowledge-ability to read and understand legal terms and conditions• Hands on experience in credit concepts, policy/regulatory framework, loan and derivative products• Support Relationship Managers / Senior Credit Analysts in the department to support macro / country research projects on adhoc requests related to new transactions or other portfolio reviews.

• Professional and profound credit risk /rating assessment and financial analysis of diverse set of financial institutions (Funds and NBFIs) (UK).• Provide an independent and thorough examination of credit decisions, providing credible challenge to credit decisions, policies and strategies.• Collaborate with business partners to drive recommendations for change or corrective action, research outcomes of credit decision reviews and engage in vetting process• Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. • Provide an independent and thorough examination of credit decisions, providing credible challenge to credit decisions, policies and strategies

o Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis.o Write Rating reports and credit reviews/analysis for recommendation to senior members for approval.o Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same.o On-going monitoring surveillance of assigned international portfolios, including rating changes, market/industry developments, news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DB s exposure in mind.o Ensure compliance with relevant and applicable local and global regulatory and policy requirements