Analyst - Credit Research - BFSI

Analyst - Credit Research

Responsibilities:

- Conducted research on the various industries like Infrastructure, Oil, Gas, Mining, cement, Solar Power, Renewable energy in which the company operates and kept a track on the performance of the industry Analyzed the business model, identified strengths, weakness, risks, analyzed the revenue models and the corporate structure of the businesses

- Analyze financial performance by analyzing past financial and business performance and benchmarking those against peers.

- Analyze Large Corporate company's financial performance which includes financial statement.

- Analysis, projection on future performance & ratio analysis.

- Undertake rigorous credit risk analysis through Credit Strengths & Weaknesses encompassing Financial Analysis, Industry Analysis, Business Analysis & Management Analysis.

- Undertake client's bank statement analysis to detect any delay in servicing debt obligations and/or any event of over utilization of bank limits.

- Preparing detailed Peer Analysis based on operating & financial parameters.

- Interacting with entity/client and banker to procure necessary rating information/documents.

- Conducting management discussion with the client to understand their strategy, business model, future plans & recent developments.

- Presenting detailed research & analysis to the rating committee and finalize the rating.

- Assign ratings and prepare rating report that cogently capture the rationale behind the rating.

- Communicate rating to the entity/client & publish the rating rationale on company website.