Associate/Senior Associate - Credit Rating

Position-Associate/Sr Associate Credit Rating (6)

Location-Bangalore

Roles and Responsibilities

Provide credit analysis in the form of discrete pieces of analytical work. The Associate provides an opportunity to make a significant contribution to the success of the Ratings & Research Support (RRS) and Ratings & Research (R&R) teams, by providing a range of analytical support services that contributes to the overall credit analysis function performed by these teams.

This role will focus primarily on one Line of Business (LOB), and there is potential for cross-training in supporting varying asset classes and methodologies, in other LOBs, as part of career progression.

The role requires a solid accounting background with strong focus in financial analysis. Candidates will be expected to demonstrate their ability to work effectively in a team environment. The ideal candidate for this role will possess strong organizational skills, demonstrate attention to detail, and enjoy working in a collaborative team environment.

The Associate position provides a unique opportunity to foster skills that are valuable to any future career in the financial services industry. This will be an internally facing role, reporting into the RRS Team Manager.

- Perform preliminary credit analysis to support ratings, research, analytical outreach and presentations, following guidance provided by RRS Team Manager. Examples of analytical work include:

- Preparing financial spreadsheets and charts, analyzing data and financial statements, building and updating financial models and forecasts, and writing analytical commentary

- Identifying trends in data and use analytical ability, applying judgment to form well thought out credit conclusions.

- Interpret and analyse financial data provided by Financial Data Associates (FDAs) group to perform the preliminary credit analysis.

- Demonstrate the ability to understand and identify key factors that affect issue and issuer credit ratings under full supervision and guidance from the RRS Team Manager.

- Support credit monitoring/surveillance of issuers by e.g. preparing data for surveillance, periodically updating preliminary components of analysis, and initiating/escalating deeper credit reviews when necessary.

- Perform certain routine administrative and other ad hoc credit-related tasks as directed by RRS Team Manager.

- Work as a team with other associates in RRS, and lead analysts in R&R, under overall supervision of RRS Team Manager.

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