7 Credit Ratings Jobs

The Group : Morningstar Credit Ratings, LLC is registered with the U.S. Securities and Exchange Commission as a nationally recognized statistical rating organization (NRSRO). Morningstar Credit Ratings issues credit ratings on a variety of security types, including corporate and financial institutions, commercial mortgage-backed securities, residential mortgage-backed securities, and asset-backed securities. Morningstar's credit analysis helps investors make better-informed investment decisions by focusing on the credit risks that truly matter. The Role : As a surveillance analyst, you will assist in all facets of the surveillance of letter ratings on CMBS issues, supporting senior staff in the United States. The analyst will provide research and modeling support primarily related to the re-underwriting of commercial real estate loans and the running of deal-level models. This position is based in the Mumbai office. Key Responsibilities : Population of Underwriting Models : Assist senior analysts in the re-underwriting of loans. Tasks include locating property financial statements and rent rolls, populating templates, researching data anomalies, and communicating with senior staff on open items or issues. Population of Ratings Models : Prepare models for use by senior staff, identify necessary overrides, and research anomalies. Communicate with third-party providers to gather additional information on deals/loans before moving them to the committee. Periodic Portfolio Reviews : Compile and prepare periodic portfolio reports for senior staff. Identify material changes and research the causes. Operational Support : Complete administrative tasks as needed, including organizing outside requests, reviewing offering documents, reviewing third-party sites for loan and deal information, and performing various other tasks as required. Requirements : Minimum of 2-4 years of related experience, particularly in commercial real estate financing, structured finance, and/or credit ratings. A master's degree is required, with CFA or FRM preferred. Fluent in English, with above-average verbal and written proficiency. Strong Microsoft Excel skills. Ability to work independently and take initiative on problem-solving. Excellent quantitative/qualitative analytical skills. Additional Information : Morningstar DBRS is an equal opportunity employer. If you receive and accept an offer from us, we require that personal and any related investments be disclosed confidentially to our Compliance team (days vary by region). These investments will be reviewed to ensure they meet Code of Ethics requirements. If any conflicts of interest are identified, you will be required to liquidate those holdings immediately. In addition, depending on your department and location of work, certain employee accounts must be held with an approved broker (for example, all U.S. employee accounts). If this applies and your account(s) are not with an approved broker, you will be required to move your holdings to an approved broker. Morningstar's hybrid work environment gives you the opportunity to work remotely and collaborate in-person each week. While some positions are available as fully remote, we've found that we're at our best when we're purposely together on a regular basis, typically three days each week. A range of other benefits are also available to enhance flexibility as needs change. No matter where you are, you'll have tools and resources to engage meaningfully with your global colleagues.

Maintain market coupon performance model for various banks in Excel Create, update and maintain comprehensive databases by using Bloomberg/Intex etc on Agency MBS and RMBS sectors Regularly capturing the market data like issuance, coupon performance, rating actions etc Analyse large datasets to identify patterns and trends and arrive at meaningful conclusions Help the On-shore team on day-to-day basis and work on ad-hoc client requests Analyse multiple large complex database tables in excel and show relevant output charts/tables Assist in writing research notes and preparing associated charts and tables Preparing Weekly, monthly and quarterly recurring publications - which includes building & updating databases and writing reports Skills Required: Knowledge of Structured Finance sector Knowledge of market data tools like Bloomberg, Intex, 1010 data Excellent MS Excel and Word Basic Knowledge in VBA, SQL preferred Sound understanding of credit ratings Good writing skills to help in research reports Team player with strong analytical and problem-solving skills To support US Structured Finance - Agency MBS and US RMBS research analysts of one of the top global investment banks for their day-to-day research Role Responsibilities: Maintain market coupon performance model for various banks in Excel Create, update and maintain comprehensive databases by using Bloomberg/Intex etc on Agency MBS and RMBS sectors Regularly capturing the market data like issuance, coupon performance, rating actions etc Analyse large datasets to identify patterns and trends and arrive at meaningful conclusions Help the On-shore team on day-to-day basis and work on ad-hoc client requests Analyse multiple large complex database tables in excel and show relevant output charts/tables Assist in writing research notes and preparing associated charts and tables Preparing Weekly, monthly and quarterly recurring publications - which includes building & updating databases and writing reports Skills Required: Knowledge of Structured Finance sector Knowledge of market data tools like Bloomberg, Intex, 1010 data Excellent MS Excel and Word Basic Knowledge in VBA, SQL preferred Sound understanding of credit ratings Good writing skills to help in research reports Team player with strong analytical and problem-solving skills

As a Credit Analyst within our organization, you will be responsible for preparing thorough and detailed credit proposals that adhere to the bank's policies. This includes conducting in-depth analysis of financial statements, industry trends, economic data, and various risk factors. Your role will involve proposing appropriate ratings and GRR to the credit committee, utilizing internal tools and your expertise. Ensuring timely completion of annual reviews, transaction deadlines, portfolio reviews, covenant checks, and security monitoring will be essential elements of your responsibilities. You will be expected to maintain effective communication with both internal and external stakeholders in a professional manner. Monitoring the credit evolution of clients, identifying early warning signals, and promptly updating financial spreadsheets are crucial aspects of your role. Additionally, you will be involved in presenting credit proposals to local credit committees, participating in client meetings with Relationship Managers, and contributing to discussions on potential deals. Staying informed about credit policies and methodologies, actively engaging in credit projects, and supporting team members to enhance overall efficiency are also key components of this position. You may be required to assist the Head and team Lead of CTCM on an ad hoc basis and provide backup on tasks performed by the CTCM team when necessary. The ideal candidate for this role will have a background in Credit Analysis, Credit Ratings, and Credit Risk Management, with a minimum of 7 years of experience for the Assistant Manager level and 9+ years for the Manager level. This position is based in Mumbai, with shift timings from 7 AM to 4 PM. If you are looking for a dynamic role that involves strategic credit analysis, risk assessment, and collaborative teamwork, this opportunity could be the perfect fit for you.,

As a Credit Analyst in the Insurance sector, your primary responsibility will be to support global Credit Analyst(s) in monitoring the performance of a portfolio of Insurance Companies operating in North American/European markets. Your role involves responding to credit events promptly to facilitate accurate credit ratings and research. It is crucial to track and comprehend industry, regional, and regulatory dynamics, as well as trends. You will be expected to identify rating/outlook triggers and apply rating criteria effectively in your day-to-day activities. Analyzing financial and operational performance, working on financial models and projections, conducting peer analysis, and preparing internal credit analysis/assessment packs will be among your key tasks. You will assist in the creation of publishable credit rating and research reports. Adherence to defined processes, knowledge retention, and compliance with organizational policies and guidelines are essential for this role. Building and fostering strong relationships with international clients, handling various requests from global Credit Analysts, and actively contributing to client priorities will be part of your client and stakeholder management responsibilities. The ideal candidate should have 1-3 years of relevant experience in credit analysis, ratings, credit research, and report writing for global markets, especially in North American/European countries or domestic markets within the Insurance sector/Financial Institution. Candidates must possess excellent oral and written communication skills, a good understanding of international accounting standards, banking-related financial concepts, strong analytical skills, and interpersonal skills. Ability to collaborate effectively within a team, lead, and mentor team members is also crucial. The minimum educational requirement includes a two-year full-time MBA in Finance or CA qualification. In summary, this role as a Credit Analyst in the Insurance sector requires a proactive individual with a solid background in credit analysis, strong communication skills, and the ability to work effectively in a dynamic global environment while ensuring compliance with organizational standards and client expectations.,

The role requires you to support credit risk management teams of global banks in assessing the counterparty credit risk of corporates. Your main responsibilities will include conducting research and analysis on global corporates to evaluate their credit strength. You will be expected to prepare detailed credit risk assessment reports by analyzing various factors such as the operating environment, business strength, financial health, management strategy, market parameters, and external support. Additionally, you will need to create or update financial models and spreadsheets using a mix of market data and company filings. Using the client's proprietary framework, you will assign credit ratings and make necessary subjective adjustments. It is important that you are able to confidently defend your assessments when challenged by senior stakeholders and clients. You will also be required to closely monitor market events and evaluate their impact on the coverage portfolio. Supporting project managers on various ad hoc projects will be part of your role as well. Other tasks may include preparing industry and country research reports, maintaining and updating financial models and databases, and compiling news updates related to companies and industries.,

As a MCA Analyst, you will conduct thorough quantitative and qualitative analysis on the underlying loans and properties that collateralize Commercial Mortgage Backed Securities transactions. Additionally, you will assist other analysts with the creation of loan valuations and write-ups, as well as assist with special projects/initiatives as needed. Responsibilities include: - Writing monthly research reports & transaction snapshots, providing commentary and opinions on Commercial Mortgage Backed Securities (CMBS) for institutional clients. - Providing accurate and timely assistance with basic data and preliminary tasks to support the research and analysis of CMBS properties. - Retrieving, analyzing, researching, and reporting on CMBS pool level and property level performance, including identifying and analyzing risky assets based on qualitative and quantitative factors. - Identifying macro and micro risk factors to determine exposure within CMBS pools and loan portfolios. - Monitoring, analyzing, and reporting executive summaries on CMBS transactions, investigating potential default or loss scenarios for underlying real estate loan collateral. - Communicating and supporting other Morningstar Analysts or third-party contacts to collect data and information for quality and timely reporting. - Researching and responding to inquiries regarding specific aspects of assigned CMBS pools, evaluating detail relative to bond class holdings to ascertain strengths and weaknesses. - Maintaining communication with operations and technology teams about tasks, priorities, and application development requirements. - Taking ownership of tasks with a focus on quality and accuracy of deliverables. - Demonstrating a strong learning curve and eagerness to progress in the rating value chain. Requirements: - 2 to 4 years of experience in credit research, with knowledge of CMBS and credit ratings preferred. - Bachelor's degree required, Masters, CFA, or FRM preferred. - Excellent writing communication, quantitative, and analytical skills. - Intermediate level proficiency in Microsoft Excel, Visual Basic for Applications (VBA), and MSSQL. - Creative thinker with strong problem-solving skills. Morningstar is an equal opportunity employer. About Morningstar DBRS: Morningstar DBRS is a leading provider of independent rating services and opinions for various entities globally. With a focus on transparency and diversity of opinion, Morningstar DBRS empowers investor success by responding to customer needs in local markets while providing expertise and resources. The company is known for its agility, tech-forward approach, and exceptional customer service, positioning it as the next generation of credit ratings. If you accept an offer from Morningstar, disclosure of personal and related investments to the Compliance team is required for review. Any conflicts of interest identified may require liquidation of holdings immediately. Depending on department and location, certain employee accounts must be held with an approved broker. Morningstar offers a hybrid work environment, allowing for remote work with regular in-person collaboration. Various benefits are available to enhance flexibility, and tools/resources enable meaningful engagement with global colleagues. (Note: "Job Description" has been formatted into proper paragraphs without headers as per the instructions provided.),

Role : - This position is part of the Large Corporate Credit Rating team. 3-8 yrs of work experience, preferably in credit rating/credit appraisal/ financial research, is a prerequisite. There should be exposed to credit analysis of corporate entities in any sector - Undertaking detailed analytical research on debt issuers - Publishing timely, topical and high quality research on general market and sector specific trends, contributing to the increasing profile of the Company within the debt capital markets - Conducting analytical reviews with management teams of rated issuers and making written and oral presentations to rating committees, including rating recommendations. Taking responsibility for allocated portfolio, ensuring timely reviews/rating actions as required. Requirements: - 8-13 yrs of work experience, preferably in credit rating/credit appraisal/ financial research, is a prerequisite. There should be exposed to analysis of corporate entities in any sector excl. financial institutions/ banks. Qualification: CA/ MBA - Robust Analytical skills and ability to form a credit opinion - Preferably some background in dealing directly with corporates as part of the analytical role. Must possess strong financial analysis skills, including developing forecasts, peer/ industry analysis and ability to identify key drivers for any given case/ credit. - Must be a strong team player and possess excellent inter-personal skills, with an ability to integrate quickly into an established team and to deal with colleagues and external parties across the region