Credit Analyst

Business: Ratings

Department Large Corporate Sector (Financial Institutions credit)

Job Role: Credit- Financial Institutions Group (FIG).

Responsibilities:

- Credit manager performs the overall management of Credits allocated to him/ her, as per the laid down process of the Bank and abiding to the policies of RBI and other Regulators.

- Analyse Company's financial performance which include;

- Past financial and business performance & Benchmark these against peers performance.

- Project future performance of the company

- Undertake rigorous credit risk analysis encompassing industry / business research and financial analysis of various large corporates.

- Assign Ratings and prepare reports that cogently capture the rationale behind the rating.

- Make credit rating recommendation to the Rating Committee.

- Ensure adherence to timelines.

- Maintain a high quality of analytics and rating committee presentation.

- Client Management / Stakeholder Management;

- Discuss with the key management personnel of the corporates being rated to understand their strategy and business model

- Communicate the final Rating to the client

- Make presentations to the Rating Committee and respond to the questions/provide clarifications in support of the rating recommendation

- In case of manager position, the role may also require management of a small team of Analysts/Senior Rating Analysts and ensure quality and regulatory compliance of the team.