Credit Analyst

Role

• Functional role / 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 rankings for financial institutions 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 rankings
  • Analyze financial performance, including: o Analysis of financial ratios and trends o Analysis of financial statements o Liquidity / short-term factors o Understanding accounting standards o Financial governance and policies
    • Understanding the capital structure of companies
  • Analyze business performance, including: o     Industry dynamics and regulatory trends o         Evaluating country and macroeconomic risk o     Competitive and market position,Strategy / execution / management of the companies o   Trends in profitability and peer comparisons
  • Assist the primary analyst(s) in the preparation of in-depth financial models – historical and projections
  • Prepare comprehensive internal credit research reports covering the aforementioned financial factors.
  • Assist primary analyst(s) in preparing publishable credit reports
• Process Adherence
  • Create and maintain base level training, process manuals & documentation to ensure smooth execution of tasks
  • Assist primary analysts in maintaining dashboards and tracking sheets
  • 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.
• 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 analyzing company’s financial and operational performance is a must •     Intellectual curiosity

• 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 Qualification

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