Ra - Credit Risk Assessment of Corporate

2 weeks ago


Mumbai Maharashtra, India CRISIL Full time

**KEY ROLES & RESPONSIBILITIES**
- Work with team of onshore analysts to cover credit portfolio of corporates, Public Sector Entities and GREs
- 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

**MINIMUM & PREFERRED EDUCATION**
- MBA or CA or Master’s degree preferred; CFA certification is a plus

**MINIMUM & PREFERRED EXPERIENCE / SKILLS**
- 1-7 years of work experience preferable in credit risk/credit research
- High level of attention to detail and accuracy; Diligence and hard work
- Organization skills and the ability to manage and prioritize workload
- Good understanding of MS office products



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