Rating Analyst- Delhi

HDFC Bank

  • Full Time

To apply for this job please visit hdfcbankcareers.hirealchemy.com.

A) Assign Ratings independently.
1) 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.
2) Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the businesses.
3) Independently handling rating assignments for entities of varying sizes and preparing rationales for the ratings assigned.
4) Assign ratings as per Banks internal rating scale after thorough understanding of the borrower, industry and peer group analysis.
B) Surveillance of ratings.
1) Surveillance of ratings in the assigned portfolio.
2) Review of ratings basis any new developments in the company/industry.
3) Monitor the ratings through multiple surveillance frameworks in place.
4) Ensure all the latest available information is factored in the ratings.
C) Industry Analysis 1) Analysis of industry/sector assigned.
2) Read through industry reports by various agencies.
3) Attend webinars and seminars pertaining to the industry to keep ourselves abreast of the latest updates and trends in various industries.
4) Industry presentations evaluating sector performance and rating movement at a portfolio level.
D) Frameworks.
1) Responsible for one of the surveillance frameworks in the team.
2) Follow-up with RAs for feedback on cases appearing in the framework.
3) Review the feedback and monitor the timely rating action to be taken, if required.
4) Presentation to senior management on the outcome and key rating actions.
E) Others.
1) Monitoring portfolio performance for stress indicators and recommend suitable rating actions and highlight key risk factors to the credit team.
2) Preparing newsletters on industry/portfolio for circulation internally.
3) Replies to audit observations.
4) Any other assignments depending on the needs of the organization.
5) Adhering to the policies.

Skills
1) Excellent analytical skills.
2) Strong Interpersonal / Communication skills.
3) Experience in handling large volumes and good in excel skills.
4) Good understanding of Banking products.
5) Experience in ratings, credit underwriting or policy related job role for Mid and Large Corporate segments in any rating agency, Bank, NBFCs, research & brokerage houses or KPOs.

 

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