Overview
Credit Analyst/Senior Credit Analyst – Large Corporates
Role:
Functional Responsibility/Domain Related:
– The role would involve supporting S&P primary analysts, based out of North America, EMEA and Asia Pacific regions, to arrive at/monitor credit ratings for issuers across various industries.
– Analysis would cover surveillance of a portfolio of companies as well as responding to market events that could potentially lead to a change in ratings.
Analyze Business Performance, including:
– Industry dynamics and regulatory trends.
– Evaluating country and macroeconomic risk.
– Competitive and market position.
– Strategy / execution / management of the companies.
– Trends in profitability and peer comparisons.
Analyze Financial Performance, including:
– Understanding accounting standards.
– Financial governance and policies.
– Analysis of financial ratios and trends.
– Liquidity/short-term factors.
– Understanding the capital structure of companies.
Assist the Primary Analyst(S) in the preparation of in-depth financial models:
– Prepare comprehensive internal credit research reports and notes covering the aforementioned operational and financial factors.
– Assist primary analyst(s) in preparing publishable credit reports.
Process Adherence:
– Focus on review/QC, adding analytical inputs, when required.
– Create and maintain base level training, process manuals & documentation to ensure smooth execution of tasks.
– Adopt the defined processes in day to day execution of assignments.
– Identify process improvement avenues and identify value added work.
– Strictly practice and follow all compliance, confidentiality, and information security policies, procedures and guidelines of the organization.
– Suggest that trading/holding in shares belonging to a Corporate entity/Infrastructure company is prohibited.
Client Management/Stakeholder Management:
– Build and maintain relationships with S&P team.
– Set expectations with clients regarding scope of work, timelines for routine tasks.
People Development:
– Provide analytical mentoring to junior members of the team.
– Implement team-level initiatives Candidate Profile.
– Prior experience in analysing company’s financial and operational performance is a must.
– Excellent oral and written communication skills.
Sharp analytical thought process:
– Understanding the key industry risks and competitive forces.
– Understanding of accounting and financial analysis and concepts.
Positive attitude with qualities of a team player:
– Innovative and solution orientation.
– Open to new ideas and initiatives.
– Ability to build client relations and take a view based on client guidance.
– Ability to deal with pressure.
Essential Qualifications:
– Two years full-time MBA (Finance) or equivalent or CA preferred