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