Credit Analyst

3 weeks ago

Pune Maharashtra India, Maharashtra Crisil Full time

Key Responsibilities:


- Domain Related:

  1. Assist global Credit Analyst(s) in cash flow analysis for Structured Finance securities
  2. Prepare cash-flow Model for structured finance deals RMBS, across EMEA and US regions) using proprietary platforms (IMAKE, Cashflow Evaluator, Intex) and ensure the correctness of the cash flow output
  3. Cash-flow Modelling involves:
  4. Analyzing, comprehending, and interpreting transaction documents such as Offering Circular, Indenture, Term-sheet etc., to understand the structure and features of the deals
  5. Retrieve appropriate data (Asset and Liability level) to prepare cash-flow model set up files
  6. Scripting payment waterfalls and related conditions as per the deal covenants using pre-built functions in the scripting tools to generate the required cash-flow output
  7. Testing the Cash-flow model through scenario analysis to comply all the requirement of legal document and the Asset Specific Cash-Flow Criteria
  8. Work on resolving Queries w.r.t Cash-flow model outputs used for ratings process
  9. Model maintenance involves regular testing and validation of models based on the most recent investor reports, statements published by issuers, servicers and revising the model to be in sync with expected outcome
  10. Stay abreast with the latest developments in the structured finance market and understand / be able to comment on their potential impact
  11. Support Global Credit Analyst(s) in analyzing the performance of a portfolio of Structured Finance transactions for any credit event Process Adherence:
  12. Focus on quality review and add analytical inputs to processes as and when needed
  13. Create and maintain base level training material, process manuals and related documentation to ensure smooth execution of tasks
  14. Adopt the defined processes in day-to-day execution of assignments
  15. Identify process improvement avenues that leads to value addition to work
  16. Ensure gained knowledge is retained and documented through operating manuals
  17. Work with other teams and suggest methods to improve efficiency of the existing process

7. Strictly practice and follow all compliance, confidentiality and information security policies and procedures and related guidelines of the organization

Client Management / Stakeholder Management:

  1. Build and maintain relationships with onshore Analyst and respective stakeholders
  2. Set expectations with clients for the routine tasks (viz., scope of work, timelines, etc.) People Development:
  3. Provide mentoring / training to junior members of the team
  4. Implement team-level initiatives (co-curricular activities)
  5. Familiarize new recruits to the team and organization


Expected Candidate Profile: -

  1. Understanding of Fixed Income AND/OR Structured Finance / Securitization concepts
  2. Excellent oral and written communication skills
  3. Positive attitude with qualities of a team player and Solution oriented
  4. Ability to take ownership and execute tasks independently
  5. Ability to deal with pressure and open to new ideas and initiatives
  6. Ability to build client relations and take a view based on client guidance

Essential Qualification: -

Two years full-time MBA (Finance) OR Equivalent


Preferred Qualification: -

Two years full-time MBA/PGDM (Finance) OR Equivalent degree in Quantitative Finance OR (CFA / FRM) with 3-5 years of work experience in Structured finance (ABS / RMBS / CLOs).

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