Crisil - Corporate Credit Risk Analyst (2-4 yrs)

Corp Credit Risk - RA

About CRISIL Limited:

- CRISIL is a leading, agile, and innovative global analytics company driven by its mission of making markets function better.

- It is Indias foremost provider of ratings, data, research, analytics, and solutions with a strong track record of growth, culture of innovation, and global footprint.

- It has delivered independent opinions, actionable insights, and efficient solutions to over 100,000 customers through businesses that operate from India, the US, the UK, Argentina, Poland, China, Hong Kong, Singapore, Australia, Switzerland, Japan, and the United Arab Emirates (UAE).

- It is majority owned by S&P Global Inc, a leading provider of transparent and independent ratings, benchmarks, analytics and data to the capital and commodity markets worldwide.

- CRISIL is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law.

- To know more: www.crisil.com

Life at CRISIL:

- CRISIL is a place where your ideas and opinions are always welcome, and continuous learning is the norm.

- Because we know thats what it takes to solve the biggest real-world challenges and move the needle in the direction of unexplored future possibilities.

- All without compromising on our strong ethics.

About CRISIL Global Research & Risk Solutions (GR&RS):

- CRISIL GR&RS is a leading provider of high-end research, risk and analytics services.

- We are the world's largest provider of equity and fixed-income research support to banks and buy-side firms.

- We are also the foremost provider of end-to-end risk and analytics services that include quantitative support, front and middle office support, and regulatory and business process change management support to trading, risk management, regulatory and CFO functions at world's leading financial institutions.

- We also provide extensive support to banks in financial crime and compliance analytics.

- We are leaders in research support, and risk and analytics support, providing it to more than 75 global banks, 50 buy-side firms covering hedge funds, private equity, and asset management firms.

- Our research support enables coverage of over 3,300 stocks and 3,400 corporates and financial institutions globally.

- We support more than 15 bank holding companies in their regulatory requirements and submissions.

- We operate from 7 research centers in Argentina, China, India, and Poland, and across several time zones and languages.

Department: GR&RS

Job Description:

Key Roles & Responsibilities:

- Work with team of onshore analysts to cover credit portfolio of corporates, UAE, GCC and international portfolio

- Preparing opinion based credit 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.

- 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

- Good understanding of banking regulations, calculation of key credit metrics and capital ratios

- Reasonable understanding of banks internal systems

Problem Solving:

- Identifies and resolves complex research issues and team problems

- Assist in solving complex problems related to financial modeling

Interactions:

- Works within own team and interacts with other related teams

- Communicates with internal & external clients and/or issuers as necessary

Mandatory Skills:

- Credit Risk Management, Credit Risk Analysis, Corporate Credit

Education Qualification:

- CA/ MBA Finance/any postgraduate having relevant experience