Hello, friends. Goldman Sachs has advertised for the position of Credit Risk Analyst. The posting location will be Bangalore. Candidates having a graduate / engineering / postgraduate degree and fresher / experience are eligible to apply. More information regarding credentials, job descriptions, and tasks and responsibilities is as follows.
| Name of the Company | Goldman Sachs |
| Required Qualifications | Graduate |
| Skills | Credit analysis, ratings analysis, corporate finance, and/or research |
| Category | Analyst |
| Work Type | On-site |
The Risk Division is a group of specialists in charge of managing the firm’s credit, market, liquidity, and operational risks. Whether they are evaluating the creditworthiness of the firm’s counterparties, monitoring market risks connected with trading activity, or providing analytical and regulatory compliance support, their work directly adds to the firm’s success. The division is best suited for collaborative individuals with high ethics and attention to detail.
Roles and Responsibilities:
As a member of Credit Review, you will be part of a team that performs systematic reviews of wholesale credit portfolios, analyzing counterparty credit quality to determine the accuracy of risk identification in the portfolio, as well as the adequacy of documentation, administration, policies, and procedures. You will participate in industry reviews and conduct ongoing monitoring of assigned industry sectors.
- Industry Reviews:
- Prepare detailed, independent analysis on individual credits in adherence with established Credit Review procedures and regulatory guidance. Document conclusions clearly and concisely.
- Evaluate the adequacy of the analysis completed by Credit Risk, including, among other things, the accuracy of credit ratings, the timeliness of any rating changes, the identification of potential credit weaknesses, and adherence to applicable policies and procedures, laws, and regulations.
- Continuous Monitoring:
- Perform ongoing surveillance of assigned industry sectors, staying informed of trends/credit-related activities and identifying emerging risks.
- Prepare quarterly reports assessing the industry portfolio’s overall risk.
Required Skills & Qualifications:
- Bachelor’s degree.
- Requirements: 0-3 years of expertise in credit analysis, ratings, corporate finance, and/or research. Expertise with corporates, industrials, energy, technology/media/telecom, commercial real estate, asset-secured lending, and counterparty credit risk is preferred.
- Experience with the internal auditing or credit/loan risk review process is useful.
- Knowledge of banking regulations linked to lending and risk management is useful.
- Functional background or relevant experience in finance and accounting.
- Knowledge of loan products and capital markets/traded goods.
- Understanding of credit and loan documentation is beneficial.
- Effective organizing skills and the capacity to manage several assignments simultaneously.
- Motivated, versatile, and quick learner with strong analytical and communication abilities.
- Ability to perform effectively in a collaborative environment
Competencies:
- Functional Expertise—Stays current with evolving corporate, economic, and market developments.
- Technical Skills—Demonstrates strong technical skills required for the role, exhibits attention to detail, takes initiative to broaden his/her knowledge, and displays appropriate financial/analytical skills.
- Drive and Motivation—Successfully handles many duties, takes initiative to better his/her own performance, works hard towards challenging goals, and perseveres in the face of challenges or setbacks.
- Teamwork—Collaborates well with other people within and beyond teams, encourages other team members to participate and contribute, and recognizes others’ contributions.
- Communication Skills—Communicates what is relevant and important in a clear and simple manner, sharing information/new ideas with others.
- Judgment and problem-solving entail thinking ahead, anticipating questions, planning for contingencies, identifying alternate answers, and establishing clear objectives. Sees the big picture and can effectively analyze complex issues.
- Creativity/Innovation—Looks for new ways to improve current processes and develops creative solutions grounded in reality and with practical value.
- Influencing Outcomes – Presents a strong, persuasive argument for ideas or viewpoints. Takes a stand on topics, influences others’ attitudes, and makes compelling recommendations.