HDFC Bank - Rating Analyst - Wholesale Credit

Job Responsibilities(JR) : 6 - 8 Areas Actionable (4-6)

- Assign Ratings independently - Comprehensive and independent analysis of companies- performance in assigned portfolio by assessing credit proposals, financial statements, projections and other information to assess the credit worthiness of the entity

- Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the businesses

- Independently handling rating assignments for entities of varying sizes and preparing rationales for the ratings assigned

- Assign ratings as per Bank's internal rating scale after thorough understanding of the borrower, industry and peer group analysis

- Surveillance of ratings - Surveillance of ratings in the assigned portfolio

- Review of ratings basis any new developments in the company/industry

- Monitor the ratings through multiple surveillance frameworks in place.

- Ensure all the latest available information is factored in the ratings

- Industry Analysis - Analysis of industry/sector assigned

- Read through industry reports by various agencies

- Attend webinars and seminars pertaining to the industry to keep ourselves abreast of the latest updates and trends in various industries.

- Industry presentations evaluating sector performance and rating movement at a portfolio level

- Frameworks - Responsible for one of the surveillance frameworks in the team

- Follow-up with RAs for feedback on cases appearing in the framework

- Review the feedback and monitor the timely rating action to be taken, if required.

- Presentation to senior management on the outcome and key rating actions

- Others - Monitoring portfolio performance for stress indicators and recommend suitable rating actions and highlight key risk factors to the credit team.

- Preparing newsletters on industry/portfolio for circulation internally

- Replies to audit observations

- Any other assignments depending on the needs of the organization

- Adhering to the policies