Overview
KEY ROLES & RESPONSIBILITIES
– The role comprises working on credit risk assessment of corporate entities spread across multiple sectors and regions.
– 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).
– Other activities include preparing industry databases and reports.
– Preparing a detailed peer analysis on the operating and financial side.
– Establish and maintain consistent standards and processes in credit analysis through interaction with team members and clients
– The role also requires training and mentoring colleagues on specific aspects of credit risk, sector and domain nuances.
– Assist ADs/Director on pilot assignments and prepare collaterals.
– Engage with client teams proactively and suggest new ideas to enhance client engagement
– Support the client with any ad-hoc research requests including sector research
– Responsible for process initiatives and quality improvements of the team.
Content review, mentor and train new hires in the team
FUNCTIONAL & BEHAVIOURAL KNOWLEDGE
– Strong understanding of finance and accounting concepts; especially, adjustments in calculation of adjusted earnings, cash flow and leverage metrics.
– Ability to manage a team and provide coaching, query handling and analytical mentoring to the team.
– Willingness to be fungible across sectors and regions.
– Excellent report writing and communication skills.
– Ability to identify key characteristics and drivers of sectors assigned.
– Credit assessment and analysis (or financial analysis), including business, financial and management profiling.
– Experience in 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
– Team player and good team handling skills
– Excellent client management skills
TYPICAL SCOPE & IMPACT
– Impacts the quality and effectiveness of own team
MINIMUM & PREFERRED EDUCATION
– MBA or CA or Masters degree preferred; CFA certification is a plus
MINIMUM & PREFERRED EXPERIENCE / SKILLS
– 6 to 10 years of work experience
– High level of attention to detail and accuracy; Diligence and hard work
– Ability to work under stringent timelines
– Prior experience in credit research or credit risk assessment along with report writing experience is mandatory.
– Prior experience in GenAI, people and content management are a plus
– Ability to manage a team and provide coaching, query handling and analytical mentoring to the team.
– Good understanding of MS office products