Institutional Research & Analysis Associate

<span class="jobdescription"><div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>About Us</b></H2> </div><div><p><span style="font-size:14.0pt"><span style="font-family:Arial, Helvetica, sans-serif">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.</span></span></p> <p style="margin:0.0in 0.0in 8.0pt;line-height:115%;font-size:12.0pt;font-family:Aptos, sans-serif"> </p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>About the Role</b></H2> </div><div><p> </p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">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.</span></p> <p> </p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Role Location: Mumbai</span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Role Type: Permanent</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>What will your day look like?</b></H2> </div><div><p> </p> <ul> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Responsible for credit assessment and risk control for the assigned client groups.</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Participate and handle discussions with Products, Relationship Manager &amp; Risk on deal structuring and workshopping.</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Timely preparation of workshop papers and credit memorandum for new proposals and annual/ interim reviews in accordance with the Bank’s standards and policies.</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Identify issues impacting the customer’s credit standing, seek clarification from customers and formulate action plan to resolve issues promptly</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Efficiency and effectively manage credit risk by:</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Accurately identifying and assessing all risk inherent in credit exposures and ensuring quality judgements are made</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Adhering to Group credit policies and standards regarding approval, reporting and documentation</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Ensuring quality and integrity of data and analysis of accounts in the set</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Ensuring compliance with group standards and regulatory requirements (including credit policy and approval conditions)</span></li> </ul></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>What will you bring?</b></H2> </div><div><p> </p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">To grow and be successful in this role, you will ideally bring the following:</span></p> <p> </p> <ul> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">5 + Yrs of experience in cash-flow lending, capital structure and security arrangements</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Robust knowledge of core banking products and risks, including basic operational processes</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">In depth knowledge of both the financial and non-financial strategies and objectives of clients</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Full understanding of the banking industry, global economics and the local/global regulatory landscape</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Knowledge of legal documentation</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Sound understanding of the local market, industry knowledge across one or more industry sectors and an understanding of customer issues and risks</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Appropriate tertiary qualifications (e.g. Degree essential; Masters, MBA/ CA/ CFA highly regarded)</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Solid financial and credit analysis skills and ability to identify risks and understand creditworthiness of customers</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Ability to resolve issues that are commonly addressed by applying technical expertise and industry knowledge</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Solid modelling skills, including financial projections and sensitivities</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">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</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">Good attention to detail particularly with respect to credit administration.</span></li> </ul> <p><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt"> </span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:14.0pt">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.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>So why join us?</b></H2> </div><div><p> </p> <p><span style="font-size:14.0pt;font-family:arial, helvetica, sans-serif">ANZ is a place where big things happen as we work together to provide banking and financial services across more than 30 markets. With more than 7,500 people, our Bengaluru team is the bank's largest technology, data and operations centre outside Australia. In operation for over 33 years, the centre is critical in delivering the bank's strategy and making an impact for our millions of customers around the world. Our Bengaluru team not only drives the transformation initiatives of the bank, it also drives a culture that makes ANZ a great place to be. We're proud that people feel they can be themselves at ANZ and 90 percent of our people feel they belong. </span></p> <p> </p> <p><span style="font-size:14.0pt;font-family:arial, helvetica, sans-serif">We know our people need different things to be great in their role, so we offer a range of flexible working options, including hybrid work (where the role allows it). Our people also enjoy a range of benefits including access to health and wellbeing services.</span></p> <p> </p> <p><span style="font-size:14.0pt;font-family:arial, helvetica, sans-serif">We want to continue building a diverse workplace and welcome applications from everyone. Please 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 requirements, let us know how we can provide you with additional support.</span></p> <p> </p> <p><span style="font-size:14.0pt;font-family:arial, helvetica, sans-serif">To find out more about working at ANZ visit <a href="https://www.anz.com/careers/">https://www.anz.com/careers/</a>. You can apply for this role by visiting ANZ Careers and searching for reference number 126129.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Job Posting End Date</b></H2> </div><div><p>30/10/2026, 11.59pm, (Melbourne Australia)</p></div></div></div> </span>