Crisil - Research Analyst/Senior Research Analyst/Lead Analyst

KEY ROLES & RESPONSIBILITIES:

- Work with team of onshore analysts to cover Lev Fin credit portfolio

- Prepare quarterly financial spreads and memos

- Undertake ABL portfolio monitoring - ABL assessment notes and collateral monitoring

- Prepare opinion based annual credit risk reports and financial models based on fundamental analysis for a set of assigned credits/companies

The credit assessment process requires the following:

- Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile.

- Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments.

- Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations.

- Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years).

- Determine and recommend ratings to the entity based on the internal rating framework and methodology. Calculation and assessment of Loss-Given-Default (LGD) rating.

- Review outputs to be delivered by junior analysts, responsible for quality underwriting and workflow management

- Team management, stakeholder management

- Regular interaction with client to discuss reports as well as workflow

- Engage with client teams proactively

- Train new and junior resources

FUNCTIONAL & BEHAVIOURAL KNOWLEDGE:

- Strong experience in Lev Fin portfolio monitoring and credit analysis, surveillance/EWI, financial modeling

- Good understanding of lev fin nuances and regulations, products (incl. ABL), calculation of key credit metrics

- Reasonable understanding of bank policies, underwriting standards and internal risk systems, like nCino

- Strong analytical acumen

MINIMUM & PREFERRED EDUCATION:

- MBA or CA or Master's degree preferred; CFA certification is a plus

MINIMUM & PREFERRED EXPERIENCE / SKILLS:

- 7-10 years of work experience preferably in credit risk/credit research

- High level of attention to detail and accuracy; Diligence and hard work

- Organization skills and the ability to manage and prioritize workload

- Good understanding of MS office products

Educational Qualification - MBA (Finance); CA; M.Com