Lead Analyst - Credit Analysis of Corporates

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
  

TEAM MANAGEMENT

• Mentoring and handling a small team
  

TYPICAL SCOPE & IMPACT