Rating Analyst

Brickwork Ratings; Mumbai; On-site; INR 600,000 - 900,000; Full time

Job summary

Brickwork Ratings is seeking a skilled credit analyst in Mumbai to undertake rating assignments for financial instruments, bank loans, and other debt products, ensuring timely delivery as per regulatory timelines.

The role requires independent analysis of financial statements, assessment of creditworthiness of mid-corporate clients, and preparation of rating reports covering risk across management, financials, business, and industry.

Qualifications

• 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.
• 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.

Responsibilities

• Undertake rating assignments for financial instruments, bank loans, and other debt products, ensuring timely delivery per regulatory timelines.
• Independently analyze financial statements and data points to assess creditworthiness.
• Prepare rating reports covering risk from management, financials, business, and industry, benchmarking with peers.
• Interact with company management, auditors, bankers, and lenders; visit companies and factories as part of data gathering.
• Carry out quarterly surveillance and monitoring, track performance against macro changes, and handle audit queries.
• Strictly adhere to standard operating procedures, regulations, and policies.

Skills

Credit analysis

Financial statement analysis

Analytical skills

English communication

Education

Finance degree

CA/CFA

Tools

MS Excel

Financial modeling

Job description

Brickwork Ratings (BWR) is one of India’s leading credit rating agencies, committed to providing the investment community with products and services needed to make informed investment decisions. Established in 2007, Brickwork Ratings, a SEBI-registered and RBI-accredited credit rating agency, has Canara Bank, a leading public sector bank as its promoter and strategic partner. BWR is headquartered in Bengaluru and has a pan-India presence. The rating team is headed by the analytical prowess of the industry’s most experienced credit analysts and bankers. BWR offers rating services to Bank Loans, NCD, Commercial papers, Bonds, Mutual Funds, PPMLDs, and Security Receipts. BWR’s ratings have rated over 100,000 large Corporates, Banks, Financial Institutions, State and local Governments, and small businesses. BWR provides investors and lenders, with timely and in-depth research across structured finance, public finance, financial institutions, project finance, and corporate sectors.

Brickwork Ratings (BWR) is one of India’s leading credit rating agencies, committed to providing the investment community with products and services needed to make informed investment decisions. Established in 2007, Brickwork Ratings, a SEBI-registered and RBI-accredited credit rating agency, has Canara Bank, a leading public sector bank as its promoter and strategic partner. BWR is headquartered in Bengaluru and has a pan-India presence. The rating team is headed by the analytical prowess of the industry’s most experienced credit analysts and bankers. BWR offers rating services to Bank Loans, NCD, Commercial papers, Bonds, Mutual Funds, PPMLDs, and Security Receipts. BWR’s ratings have rated over 100,000 large Corporates, Banks, Financial Institutions, State and local Governments, and small businesses. BWR provides investors and lenders, with timely and in-depth research across structured finance, public finance, financial institutions, project finance, and corporate sectors.

The role entails undertaking rating assignments in respect of financial instruments, bank loans, and other debt products, and ensuring the 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 every quarter/ 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.

• The role entails undertaking rating assignments in respect of financial instruments, bank loans, and other debt products, and ensuring the 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 every quarter/ 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.

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.

• 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.

Graduate/Post-Graduate in Finance or Commerce,CA/CFA or any additional certification in Finance will be an added advantage.

Candidates with Financial Analysis of Companies/Corporate Credit Experience will be given high priority