About The Role

At ANZ, we’re shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our customers. Our Institutional bank helps our largest customers move trade and capital around the region, providing our people with great opportunities to build their technical expertise and their careers. 

The purpose of the role is to independently manage credit assessment of a portfolio including, risk control and provide industry insights/analysis, preparing credit memorandum and subsequent portfolio management.

The key responsibilities of the role are:

Credit Management

• Responsible for credit assessment and risk control for the assigned client groups.
• Participate and handle discussions with Products, Relationship Manager & Risk on deal structuring and workshopping.
• Timely preparation of workshop papers and credit memorandum for new proposals and annual/ interim reviews in accordance with the Bank’s standards and policies.
• Identify issues impacting the customer’s credit standing, seek clarification from customers and formulate action plan to resolve issues promptly.

Risk Management

Efficiency and effectively manage credit risk by:

• Accurately identifying and assessing all risk inherent in credit exposures and ensuring quality judgements are made.
• Adhering to Group credit policies and standards regarding approval, reporting and documentation.
• Ensuring quality and integrity of data and analysis of accounts in the set.
• Ensuring compliance with group standards and regulatory requirements (including credit policy and approval conditions).

Banking is changing and we’re changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you’ll be building your future, while helping to build ours. 

Role Location: ANZ Branch, Mumbai, India     

Role Type: Permanent, Full-time 

What will you bring?

To grow and be successful in the role, you will ideally bring the following:

• Extensive experience in Indian banking industry inclusive of relationship banking, analyst, risk or other relevant experience.
• Solid financial and credit analysis skills and ability to identify risks and understand credit worthiness of customers.
• Ability to resolve issues that are commonly addressed by applying technical expertise and industry knowledge.
• Solid modelling skills, including financial projections and sensitivities.
• Presentation and writing skills, including ability to analyse, question and interpret significant amounts of information that actively develop knowledge of the client and translate into concise credit memos.
• Good attention to detail particularly with respect to credit administration.
• Strong written and verbal communication skills.
• Leadership and Managerial skills to lead and mentor an analyst team.
• Ability to work as a team and provide support across the team when required.

You’re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we’d love to hear from you.

So why join us?

From the moment you join ANZ, you’ll be doing meaningful work that will shape a world where people and communities thrive.  

But it’s not just our customers who’ll feel your impact. You’ll feel it too. Because at ANZ, you’ll have the resources, opportunities, and support you need to take the next big step in your career. 

We’re a diverse bunch at ANZ in different roles, different locations, doing different things. That’s why we have a range of flexible working arrangements, so our people can “make work, work for them”. We also provide a range of benefits including access to health and wellbeing services and discounts on selected products and services from ANZ and more.   

At ANZ you’ll be part of an organisation where the different backgrounds, perspectives and life experiences of our people are celebrated. That’s because we’re committed to building a workplace that reflects the diversity of the communities we serve. We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirement, let us know how we can provide you with additional support. 

To find out more about working at ANZ, visit https://www.anz.com.au/careers. You can apply for this role by visiting ANZ Careers and searching for reference number 64589.