Analyst - Credit Research - Banking

Credit Research Analyst

- Work with team of onshore analysts to cover credit portfolio of corporates.

- Preparing opinion-based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies

The credit assessment process requires the following:

- Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile.

- Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments.

- Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations.

- Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years).

- Determine and recommend ratings to the entity based on the internal rating framework and methodology.

- Regular interaction with client to discuss reports as well as workflow

- Support the client with any ad-hoc research requests including sector research

- Engage with client teams proactively and suggest new ideas to enhance client engagement

- Train new hires and mentor juniors in the team

FUNCTIONAL & BEHAVIOURAL KNOWLEDGE:

- Experience in deal financial modelling/ surveillance/ portfolio monitoring and credit analysis

- Good understanding of banking regulations, calculation of key credit metrics and capital ratios

- Reasonable understanding of banks internal systems

PROBLEM SOLVING:

- Identifies and resolves complex research issues and team problems

- Assist in solving complex problems related to financial modeling

INTERACTIONS:

- Works within own team and interacts with other related teams

- Communicates with internal & external clients and/or issuers as necessary

TYPICAL SCOPE & IMPACT:

- Impacts the quality and effectiveness of own team

- MBA or CA or Master's degree preferred; CFA certification is a plus

- 6-10 years of work experience preferable in credit risk/credit research

- High level of attention to detail and accuracy; Diligence and hard work

- Organization skills and the ability to manage and prioritize workload

- Good understanding of MS office products