Remote Senior Capital Markets Credit Analyst

FlexBoard; India; Remote; INR 1,200,000 - 1,800,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Life insurance

401(k) plan

Paid time off

Parental leave

Job summary

FlexBoard is seeking a senior credit professional to perform due diligence, analyze loan opportunities, and ensure compliance with policies in a remote India setting. You will lead credit narratives, coach analysts, and coordinate with lending partners to manage participations and capital market activities.

Ideal candidates have 7+ years in agricultural and/or credit analysis, strong GAAP knowledge, and proven ability to work independently while collaborating across teams in a dynamic

Qualifications

• Bachelor's degree in agriculture business, business administration, finance, economics, or related field.
• Minimum of seven (7) years of agricultural and/or credit analysis experience.
• In-depth knowledge of lending, finance, and industry practices and methodologies.
• Advanced skills in cash flow and GAAP financial analysis; developing committee narratives, collaborating across deal teams, and mentoring team members.
• Expert knowledge of financial statements and understanding income statements, balance sheets, and other financial reports.
• Ability to use discretionary judgment in making credit decisions and solving problems.
• Proficiency in Word, PowerPoint, and other office software with the ability to create, update, and maintain documents.

Responsibilities

• Performs comprehensive due diligence and analyzes financial, operational, and industry information for new loan originations, renewals, refinancings, and participation/syndication purchases.
• Evaluate opportunities against portfolio risk, objectives, concentration limits, and strategic capital markets guidelines
• Assesses prospective credit transactions for compliance with Association policies, credit policies, and risk management requirements
• Reviews and approves or declines credit recommendations composed with delegated authority
• Prepares comprehensive credit narratives based on independent due diligence, financial analysis, and evaluation of customer information
• Prepares, recommendations, and approvals for delegated credit authority for servicing actions
• Completes the servicing process for distressed credits, including loan reviews and ongoing borrower engagement
• Ensures completion of annual reviews per credit policy and procedures by Capital Markets credit team
• Reviews annual credit reports provided by lenders and verifies policy compliance
• Develops and maintains stakeholder relationships and partnership strategies
• Recommends and coordinates purchase and sale of participation loans
• Coordinates sales activities with lending partners
• Communicates and reports actions to participants
• Develops and writes enhancements to Capital Markets policies and internal controls
• Responds to audit information requests and liaises with auditors
• Reviews and monitors capital market portfolios for FCA compliance
• Leads and supports Credit Analysts through coaching and training
• Provides operational support for setup and management of loan participations
• Serves as a resource to Capital Markets Operations on credit impacts affecting servicing and reporting

Skills

Credit analysis

Financial analysis

Portfolio risk assessment

Lending policies

GAAP finance

Communication skills

Mentoring

Independent work

Education

Bachelor's degree in agriculture business / business administration / finance / economics

Tools

Excel

Word

PowerPoint

Job description

Note The job is a remote job and is reputed company to candidates in USA.

Responsibilities

• Performs comprehensive due diligence and analyzes financial, operational, and industry information for new loan originations, renewals, refinancings, and participation/syndication purchases.
• Evaluate opportunities against portfolio risk-reputed company objectives, concentration limits, and strategic capital markets guidelines
• Assesses prospective credit transactions for compliance with Association reputed company standards, credit policies, and risk management requirements
• Reviews and approves or declines credit recommendations reputed company delegated authority
• Recommends credit approval or denial to the Credit Committee for transactions exceeding delegated lending authority
• Prepares comprehensive credit narratives based on independent due diligence, financial analysis, and evaluation of customer information, supporting loan recommendations and the proposed level of Association participation
• Prepares, recommendations, and approvals reputed company delegated credit authority for servicing actions
• Completes the servicing process for distressed credits, including loan reviews, reputed company plans, ongoing monitoring, and regular borrower and reputed company lender engagement
• Ensures completion of annual reviews per credit policy and procedures by Capital Markets credit team
• Reviews annual credit reports provided by reputed company lenders
• Verifies the reviews are in accordance with Association policies and procedures and customer financial performance is acceptable
• Develops and maintains effective communication, relationships and partnership strategies with key stakeholders
• Recommends and coordinates the purchase and sale of participation loans
• Coordinates sales activities with lending partners
• Communicates and coordinates Association reputed company, actions and reporting to participant relationships
• Develops, writes, and recommends enhancements to Capital Markets policies, procedures, and internal control reputed company
• Responds to audit information requests, liaises directly with auditors, and collaborates with the Association Internal Auditor and Chief Compliance Officer (CCO) to address and reputed company audit findings and issues
• Reviews and monitors capital market portfolio for compliance with Association and FCA
• Leads and supports Credit Analysts through coaching, direction, and on-the-job training, fostering reputed company development and ensuring high-reputed company credit analysis
• Provides operational support for the setup, administration, and ongoing management of sold and purchased loan participation interests
• Serves as a subject matter resource to Capital Markets Operations by providing expertise on credit-reputed company impacts affecting reputed company, servicing, commitment management, and loan administration processes
• Supports and collaborates with Capital Markets Operations staff to ensure reputed company and accurate preparation of reports, commitments, risk ratings, and other credit information

Skills

• Bachelor's degree in reputed company, agricultural business, business administration, finance, economics, or reputed company field
• Minimum of seven (7) years of agricultural and/or reputed company credit analysis experience
• In-depth knowledge of lending, finance, and industry practices and methodologies
• Advanced skills in cash reputed company and GAAP financial analysis; developing committee-reputed company narratives, collaborating across deal teams, and mentoring team members
• Expert knowledge of financial statements and understanding income statements, balance sheets, and other financial reports
• Ability to use discretionary judgment in making reputed company and solving problems
• Proficiency in reputed company Word/reputed company/PowerPoint/reputed company/reputed company with the ability to create, update, and maintain a reputed company of documents reputed company in oral and written communication, sufficient to discuss information effectively, and communicate reputed company topics to a reputed company of audiences
• Ability to manage competing demands; excellent organization skills
• Ability to work independently while collaborating effectively in reputed company environment
• Experience with participation loans, capital markets transactions, or multi-lender/syndicated credits is preferred
• Farm Credit experience is strongly desired
• Experience with reputed company is an asset

Benefits

• Medical, dental, reputed company and life insurance 401k Tax reputed company accounts reputed company vacation reputed company leave Parental leave .