Job title Analyst – Portfolio Credit Monitoring

Location Budapest
3 – 5 years of experience in the credit transaction life cycle, with a strong understanding
Experience of credit products, exposures and limit management process, documentation and credit
assessment, covenant monitoring, and early warning indicators (EWI) monitoring
Support credit risk function of global banks in effective monitoring of EWI, covenants and
exposure limits. The identified associate will provide execution support for Portfolio Credit
Management & Limit Monitoring processes:
 Implementation support of Early Warning Indicator (EWI) Monitoring platform; identify
and monitor appropriate red flags in advance:
– Support in implementation of the EWI platform to different segments of the
assigned portfolio and monitor the EWI triggers daily
– Assess EWIs at various levels of granularity for timely corrective action
– Validate the relevancy/ materiality of triggers – Identify false positives and flag off
true positive alerts and accordingly assess effectiveness of alerts generated by
the system
– Highlight true trigger breaches to the accountable stakeholders for actioning and
follow-up to completion
– Prepare analytical short notes on the underlying drivers for EWI trigger breaches
Job duties – Leverage domain and industry experience to provide feedback on EWI
thresholds (financials, sentiments, macro data, market indicators, industry data,
ESG, internal data) and suggest recalibration of thresholds
– Understand the evolving regulatory environment to suggest requisite
amendments
 Provide effective execution for limit / covenant monitoring and portfolio management
process:
– Understand existing framework, policies, and acceptable thresholds for
undertaking monitoring of credit limits and covenants
– Understand existing covenant terms and technicalities from credit agreement and
any subsequent amendments, required step-up/downs and waivers and apply
changes as deemed fit to existing systems
– Track accurate actual reported levels (covenants/ exposure limits), validate and
identify/report breaches against established thresholds/ internal policies
– Escalate discrepancies to team lead and relevant stakeholders
Qualification CA/MBA Finance/CFA/FRM
Should have 3 to 5 years of experience in credit risk function
 Associate with Credit Officer/Analyst background in wholesale lending is strongly
preferred
 Credit risk, approval/ monitoring experience, gained either through industry or within
a consulting environment; Corporate, commercial/ SME or IB experience
 Experience with high yield and impaired credits; Knowledge/ experience of multiple
Skills required credit products (e.g. TL, RCF, cap markets, derivatives etc.). Good understanding of
wholesale lending and different sector dynamics – risk indicators
 Should be familiar with credit monitoring process from an EWI perspective
 Willingness to dig deep into data, and build additional insights into the credit portfolio
 Reporting skills in tools such as Tableau, SQL, Python, BI Power etc.
 Excellent communication skills in English (verbal and written); knowledge of Spanish,
Polish or Chinese would be an added advantage
  Independent and decisive mindset; good analytical and problem-solving skills; a
Personal structured working style with passion for deep diving into problems
attributes/  Team player
Interpersonal skills
required  Ability to work on tight deadlines
 Good written and oral communication skills