Verified Job
Accounting - Finance
Rating Analyst Project Finance
Accounting - Finance
#331267
Remote / WFH
Job Description
Job Purpose:
• The role is primarily responsible for assessing credit worthiness of infrastructure and project finance entities through analyzing financial statements, business risk, industry analysis, project feasibility etc and assign ratings as per Bank’s internal rating scale
• Monitoring of ratings in the project finance portfolio so that the rating is up to date with the best available information at any point in time.
• Analyzing key sectoral developments within infra space, contribution to thematic studies and impact analysis on industry events, portfolio monitoring and any other adhoc tasks.
Job Responsibilities(JR) : 6 – 8 Areas
Actionable (4-6)
Borrower Ratings Assignment
• Comprehensive analysis of infrastructure companies/projects performance in assigned portfolio by assessing credit proposals, financial statements, projections, feasibility studies and other information to assess the credit worthiness of the entity
• Analyzing the business model, project dynamics identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the businesses
• Independently handling rating assignments for entities of varying sizes and preparing rationales for the ratings assigned
• Assign ratings as per Bank’s internal rating scale after thorough understanding of the borrower, industry and peer group analysis
• TAT management
Monitoring of Borrower Ratings
• Surveillance of ratings in the assigned portfolio
• Review of ratings basis any new developments in the company/industry
• Monitor the ratings through multiple surveillance frameworks in place.
• Ensure all the latest available information is factored in the ratings
• Periodic reviews and management presentations
Industry Analysis
• Review and analysis of industry/sectors assigned
• Read through industry reports by various agencies
• Attend webinars and seminars pertaining to the industry to keep ourselves abreast of the latest updates and trends in various industries.
• Industry presentations evaluating sector performance and rating movement at a portfolio level
• Preparing thematic studies or impact assessment notes based on industry events
Frameworks
• Management of assigned surveillance process
• Review of portfolio based on periodic early warning triggers
• Aggregation of insights and periodic review with management
• Others
• Monitoring portfolio performance for stress indicators and recommend suitable rating actions and highlight key risk factors to the credit team.
• Portfolio analytics using internal and external sources of data
• Preparing newsletters on industry/portfolio for circulation internally
• Replies to audit observations
• Regulatory compliance
• Board / Policy notes and submissions
Educational Qualifications
Key Skills
• MBA
• CA
• FRM / CFA (Optional)
• Strong Analytical skills
• Sound understanding of Infrastructure sectors such as (Power including renewables, Steel, Roads, Transmission, Ports, Airports, Telecom etc)
• Understanding of the regulatory aspects related to Infrastructure sectors
• Banking Product & Process Knowledge
• Regulatory Knowledge
• Experience in handling large volumes and good in excel skills
• Planning and Organizing Skills
• Communication and stakeholder management
• Good understanding of Banking especially Project Finance
Experience Required
• Minimum experience in years – 2 – 4 years
• Experience in ratings, credit underwriting or policy related job role for Small, Mid and Large Corporate, Financial Institution segments in any Rating agency, Bank, NBFC’s, Research & brokerage houses.
• Experience in handling infrastructure sectors such as Power, Steel, Roads, Transmission etc
• Experience in analysis of innovative structures within the Infrastructure space such as TOTs, Invits etc
Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)
• Business and Customer Relationship Management Team
• Whole Credit Risk department
• Basel Team
• Credit Administration and Operations Team
• Credit Policy – Wholesale and Retail
• IT Team
• The role is primarily responsible for assessing credit worthiness of infrastructure and project finance entities through analyzing financial statements, business risk, industry analysis, project feasibility etc and assign ratings as per Bank’s internal rating scale
• Monitoring of ratings in the project finance portfolio so that the rating is up to date with the best available information at any point in time.
• Analyzing key sectoral developments within infra space, contribution to thematic studies and impact analysis on industry events, portfolio monitoring and any other adhoc tasks.
Job Responsibilities(JR) : 6 – 8 Areas
Actionable (4-6)
Borrower Ratings Assignment
• Comprehensive analysis of infrastructure companies/projects performance in assigned portfolio by assessing credit proposals, financial statements, projections, feasibility studies and other information to assess the credit worthiness of the entity
• Analyzing the business model, project dynamics identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the businesses
• Independently handling rating assignments for entities of varying sizes and preparing rationales for the ratings assigned
• Assign ratings as per Bank’s internal rating scale after thorough understanding of the borrower, industry and peer group analysis
• TAT management
Monitoring of Borrower Ratings
• Surveillance of ratings in the assigned portfolio
• Review of ratings basis any new developments in the company/industry
• Monitor the ratings through multiple surveillance frameworks in place.
• Ensure all the latest available information is factored in the ratings
• Periodic reviews and management presentations
Industry Analysis
• Review and analysis of industry/sectors assigned
• Read through industry reports by various agencies
• Attend webinars and seminars pertaining to the industry to keep ourselves abreast of the latest updates and trends in various industries.
• Industry presentations evaluating sector performance and rating movement at a portfolio level
• Preparing thematic studies or impact assessment notes based on industry events
Frameworks
• Management of assigned surveillance process
• Review of portfolio based on periodic early warning triggers
• Aggregation of insights and periodic review with management
• Others
• Monitoring portfolio performance for stress indicators and recommend suitable rating actions and highlight key risk factors to the credit team.
• Portfolio analytics using internal and external sources of data
• Preparing newsletters on industry/portfolio for circulation internally
• Replies to audit observations
• Regulatory compliance
• Board / Policy notes and submissions
Educational Qualifications
Key Skills
• MBA
• CA
• FRM / CFA (Optional)
• Strong Analytical skills
• Sound understanding of Infrastructure sectors such as (Power including renewables, Steel, Roads, Transmission, Ports, Airports, Telecom etc)
• Understanding of the regulatory aspects related to Infrastructure sectors
• Banking Product & Process Knowledge
• Regulatory Knowledge
• Experience in handling large volumes and good in excel skills
• Planning and Organizing Skills
• Communication and stakeholder management
• Good understanding of Banking especially Project Finance
Experience Required
• Minimum experience in years – 2 – 4 years
• Experience in ratings, credit underwriting or policy related job role for Small, Mid and Large Corporate, Financial Institution segments in any Rating agency, Bank, NBFC’s, Research & brokerage houses.
• Experience in handling infrastructure sectors such as Power, Steel, Roads, Transmission etc
• Experience in analysis of innovative structures within the Infrastructure space such as TOTs, Invits etc
Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)
• Business and Customer Relationship Management Team
• Whole Credit Risk department
• Basel Team
• Credit Administration and Operations Team
• Credit Policy – Wholesale and Retail
• IT Team
