Credit Analyst/Senior Credit Analyst

5 days ago

Pune, Maharashtra, India Crisil Full time ₹ 15,00,000 - ₹ 25,00,000 per year

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: o Industry dynamics and regulatory trends o Evaluating country and macroeconomic risk o Competitive and market position o Strategy / execution / management of the companies o Trends in profitability and peer comparisons


• Analyze financial performance, including: o Understanding accounting standards o Financial governance and policies o Analysis of financial ratios and trends o Liquidity / short-term factors o Understanding the capital structure of companies


• Assist the primary analyst(s) in the preparation of in-depth financial models – historical and projections


• 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 Qualifications Two years full-time MBA (Finance) or equivalent OR CA

Mandatory Skills

Financial ratios forecasting, report writing, Credit Risk Analysis

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