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Analyst - Ratings - Credit Risk Full-time Job

1 year ago Bank Mumbai   152 views
Job Details

Job description

Job Purpose:

  • The role is primarily responsible for assessing credit worthiness of companies through analyzing financial statements, business risk, industry analysis and assign ratings as per Banks internal rating scale
  • Monitoring of ratings in the portfolio so that the rating is up-to-date with the best available information at any point in time.
  • Contribution to Industry analysis, portfolio monitoring and any other adhoc tasks.

Job Responsibilities(JR) : 6 – 8 Areas

Actionable (4-6)

Borrower Ratings Assignment

  • Comprehensive 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
  • TAT management

Monitoring of Borrower 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
  • Periodic reviews and management presentations

Industry Analysis

  • Review and 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

  • Management of assigned surveillance process
  • Review of portfolio based on periodic early warning triggers
  • Aggregation of insights and periodic review with management
  • Others
  • Monitoring portfolio performance for stress indicators and recommend suitable rating actions and highlight key risk factors to the credit team.
  • Portfolio analytics using internal and external sources of data
  • Preparing newsletters on industry/portfolio for circulation internally
  • Replies to audit observations
  • Regulatory compliance
  • Board / Policy notes and submissions

Educational Qualifications

Key Skills

  • MBA
  • CA
  • FRM / CFA (Optional)
  • Strong Analytical skills
  • Banking Product & Process Knowledge
  • Regulatory Knowledge
  • Experience in handling large volumes and good in excel skills
  • Planning and Organizing Skills
  • Communication and stakeholder management
  • Good understanding of Banking especially wholesale assets

Experience Required

  • Minimum experience in years – 2 – 4 years
  • Experience in ratings, credit underwriting or policy related job role for Small, Mid and Large Corporate, Financial Institution segments in any Rating agency, Bank, NBFC’s, Research & brokerage houses or KPO’s.
Company Description
HDFC Bank Ltd was promoted in the year 1994 by the premier housing finance company of the country, HDFC Ltd. The Bank commenced operations as a Scheduled Commercial Bank in January 1995. Today the Bank has a nationwide network of over 2000 branches and 5624 ATMs spread over 996 towns and cities across India The Banks American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) and the Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange.
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