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Senior Credit Analyst
Jobs
#243960
Full Time
Job Description
Job Title : Senior Credit Analyst
Division : GAC
Location : Mumbai
Reporting To : Manager
Role :
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
• Needs extensive modelling experience and should have worked on project finance modelling. Attention to detail is a must and someone who has experience of going through large amounts of legal documentation would be preferred.
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
• Suggest that trading/holding in shares belonging to a corporate entity/Infrastructure company is prohibited
• 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.
Candidate Profile
Ø Prior 3-6 Years’ experience in analyzing company’s financial and operational performance is a must
Ø Excellent oral and written communication skills
Ø Sharp analytical thought process
Ø Understanding the key industry risks and competitive forces
Ø Understanding of accounting and financial analysis and concepts
Ø Positive attitude with qualities of a team player
Ø Innovative and solution orientation
Ø Open to new ideas and initiatives
Ø Ability to build client relations and take a view based on client guidance
Ø Ability to deal with pressure
Essential Qualifications
Two years full-time MBA (Finance) or equivalent OR CA
Experience
3 – 6 years of relevant experience in credit analysis or credit research in global markets
Division : GAC
Location : Mumbai
Reporting To : Manager
Role :
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
• Needs extensive modelling experience and should have worked on project finance modelling. Attention to detail is a must and someone who has experience of going through large amounts of legal documentation would be preferred.
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
• Suggest that trading/holding in shares belonging to a corporate entity/Infrastructure company is prohibited
• 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.
Candidate Profile
Ø Prior 3-6 Years’ experience in analyzing company’s financial and operational performance is a must
Ø Excellent oral and written communication skills
Ø Sharp analytical thought process
Ø Understanding the key industry risks and competitive forces
Ø Understanding of accounting and financial analysis and concepts
Ø Positive attitude with qualities of a team player
Ø Innovative and solution orientation
Ø Open to new ideas and initiatives
Ø Ability to build client relations and take a view based on client guidance
Ø Ability to deal with pressure
Essential Qualifications
Two years full-time MBA (Finance) or equivalent OR CA
Experience
3 – 6 years of relevant experience in credit analysis or credit research in global markets
