Overview
Research Analyst – Credit Risk
KEY ROLES & RESPONSIBILITIES:
– Work with team of onshore analysts to cover credit portfolio of corporates, UAE, GCC and international portfolio
– 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 modeling/ 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