Rating Analyst - IRM

Walking Drive

19th July 25

11am to 2pm

Key Skills - Credit Rating, Credit Underwriting in Indian Portfolio, Wholesale Banking.

Address -

Qualification & Experience

2 years of full time MBA / PGDM with 1 to 5 years of experience

Pls do carry hard copy of updated resume.

Role & responsibilities

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 Banks 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