KEY ROLES & 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 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 & 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 analysisGood understanding of banking regulations, calculation of key credit metrics and capital ratiosReasonable understanding of banks internal SOLVING
Identifies and resolves complex research issues and team problemsAssist in solving complex problems related to financial Team player and good team handling skillsExcellent client management SCOPE & IMPACTImpacts the quality and effectiveness of own & PREFERRED EDUCATIONMBA or CA or Masters degree preferred; CFA certification is a & PREFERRED EXPERIENCE / SKILLS6 to 10 years of work experienceHigh level of attention to detail and accuracy; Diligence and hard workAbility to work under stringent timelinesPrior 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 plusAbility to manage a team and provide coaching, query handling and analytical mentoring to the team.Good understanding of MS office productsref : iimjobs.com)