Work with team of onshore analysts to cover credit risk monitoring for Financial Institutions portfolio
- Reviewing credit reports and financial models submitted by portfolio monitoring team based on fundamental analysis for a set of assigned credits/companies
- The credit assessment review 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, and calculation of key ratios
- Determine and recommend ratings to the entity based on the internal rating framework and methodology.
- Regular interaction with client to discuss reports as well as workflow
- Support the client with any ad-hoc research requests including sector research
- Engage with client teams proactively and suggest new ideas to enhance client engagement
- Train new hires and mentor juniors in the team
FUNCTIONAL & BEHAVIOURAL KNOWLEDGE
- Experience in deal financial modeling/ surveillance/ portfolio monitoring and credit analysis
- Experience in working in credit risk divisions and understanding of review and challenge roles
- Good understanding of banking regulations, calculation of key credit metrics and capital ratios
- Reasonable understanding of banks internal systems
Minimum & Preferred Education
- MBA or CA or Master's degree preferred; CFA certification is a plus
Minimum & Preferred Experience / Skills
- 7-9 years of work experience preferable 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
