The interns will join one of the Bank’s Credit (lending) teams and will analyze financial statements, including key lending and credit risk metrics.
Job Responsibilities:
- Credit-worthiness analysis of existing borrowers of the Bank, including financial analysis, industry and sector research, to ensure maintaining quality of Bank’s lending
- Drafting detailed credit reports with key takeaways on the purpose
- Developing and maintaining detailed financial model (in Excel), financial statement analysis, projections, ratio & variance analysis, credit metrics etc.
- Regular interaction with key stakeholders to discuss for eg. borrower requirements and performance, data gaps, inconsistencies, analytical frameworks, loan servicing etc.
- The role does not include credit underwriting of new to bank borrowers for fresh lending.
Desired skills:
- Strong financial analysis skills – thorough understanding of accounting /financial concepts including financial statements analysis, variance analysis etc.
- Ability to draft clear and concise reports, strong communication skills (oral and written) in English.
- Proficient in use of Excel, handling linked worksheets, able to handle complex models.
- Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, team player, fast learner, and willing to take ownership.
- Willing/capable to understand the big picture.
- Ability to succeed in a culture where change and speed are part of daily work.
