Rating Analyst

Brickwork Ratings (BWR); Ahmedabad District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Brickwork Ratings (BWR) seeks a credit analyst to undertake rating assignments for financial instruments, bank loans, and debt products. You will independently analyze quantitative and qualitative data to assess creditworthiness and prepare comprehensive rating reports.

The role involves interacting with management, auditors, bankers, and lenders, visiting companies, and monitoring performance in line with regulatory timelines.

Qualifications

• Experience in rating financial instruments, banks, and debt products.
• Ability to analyze financial statements and data points to assess creditworthiness.
• Proficiency in preparing rating reports covering risk, management, financials, and industry.

Responsibilities

• Undertake rating assignments and ensure timely delivery per regulatory timelines.
• Analyze statements, ratios, and data to assess creditworthiness independently.
• Prepare rating reports with risk analysis and benchmarking.

Skills

Credit ratings

Banking sector knowledge

Financial analysis

Quantitative skills

Qualitative data assessment

Report writing

English communication

Job description

Roles and Responsibilities:

• The role entails undertaking rating assignments in respect of financial instruments, bank loans, and other debt products, and ensure timely delivery of the same as per the laid down regulatory timelines.
• To independently handle the rating assignments and analyze financial statements factoring quantitative & qualitative data points, key ratios, and performance to assess the creditworthiness of the company.
• To prepare rating reports covering the risk assessment with respect to Management, Financials, Business and Industry, benchmarking with peers, and key rating considerations.
• Interact with company management, auditors, bankers, and other lenders and visit companies and factories as part of regular monitoring and data gathering.
• To carry out regular surveillance, monitoring, and reviews on a quarterly basis/ material event basis, tracking the performance of the companies with respect to macroeconomic changes, and handling internal and external audit queries.
• Strictly adhere to standard operating procedures, regulations & policies.

Competency/Skills:

• Good domain knowledge in the credit ratings/banking / financial services sector with an analytical approach.
• Assessment of creditworthiness of mid-corporate businesses.
• Good analytical and presentation skills to present the facts along with rating recommendations to the rating committees.
• Good written and oral communication skills in English (for report-writing, making presentations).
• Good customer communication skills to elicit information, ask questions, communicate rating decisions, and convince stakeholders.
• Good understanding of accounting standards, banking-related financial concepts, and strong quantitative and analytical skills.
• Good interpersonal skills and ability to work with the larger team under the guidance of mentor team members.
• Skilled in working with details and numbers.