Senior Credit Analyst

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