Job Description

• Primarily responsible to carry out independent assessment on the credit quality of a borrower to indicate the level of risk associated with the borrower by assigning ratings as per Banks internal rating model.
• Ensuring that the ratings are accurate and up-to-date with the all available information at all points of time by tracking news, reports both internal and external and quarterly performance of the

Job Responsibilities(JR) : 6 – 8 Areas

Actionable (4-6)

• Assign Ratings independently
• Comprehensive and independent analysis of companies’ performance in assigned portfolio by assessing credit proposals, financial statements, projections and other information to assess the credit worthiness of the entity
• Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the businesses
• Independently handling rating assignments for entities of varying sizes and preparing rationales for the ratings assigned
• Assign ratings as per Bank’s internal rating scale after thorough understanding of the borrower, industry and peer group analysis
• Surveillance of ratings
• Surveillance of ratings in the assigned portfolio
• Review of ratings basis any new developments in the company/industry
• Monitor the ratings through multiple surveillance frameworks in place.
• Ensure all the latest available information is factored in the ratings
• Industry Analysis
• Analysis of industry/sector assigned
• Read through industry reports by various agencies
• Attend webinars and seminars pertaining to the industry to keep ourselves abreast of the latest updates and trends in various industries.
• Industry presentations evaluating sector performance and rating movement at a portfolio level
• Frameworks
• Responsible for one of the surveillance frameworks in the team
• Follow-up with RAs for feedback on cases appearing in the framework
• Review the feedback and monitor the timely rating action to be taken, if required.
• Presentation to senior management on the outcome and key rating actions
• Others
• Monitoring portfolio performance for stress indicators and recommend suitable rating actions and highlight key risk factors to the credit team.
• Preparing newsletters on industry/portfolio for circulation internally
• Replies to audit observations
• Any other assignments depending on the needs of the organization
• Adhering to the policies

Educational Qualifications

Key Skills

• CA, CFA or MBA from a Tier 1 institutes
• Excellent analytical skills
• Strong Interpersonal / Communication skills
• Experience in handling large volumes and good in excel skills
• Good understanding of Banking products

Experience Required

• Minimum experience in years – 2-4 years
• Experience in ratings, credit underwriting or policy related job role for Mid and Large Corporate segments in any Rating agency, Bank, NBFC’s, Research & brokerage houses or KPO’s.

Skills Required: Communication Skills,MS Excel,Finance,Research,Banking Products,Analytical Skills,Financial Statements,Senior Management,Interpersonal Communication,Industry Reports,Credit Rating