Rating Analyst

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

Job summary

Brickwork Ratings (BWR) is seeking candidates to undertake rating assignments for financial instruments, analyze creditworthiness, and prepare comprehensive rating reports. The role involves interaction with stakeholders and regular monitoring of performance related to macroeconomic changes.

Successful candidates will possess strong analytical and presentation skills, good communication abilities in English, and domain knowledge in financial services. A keen understanding of accounting standards and customer communication skills are essential for this position.

Qualifications

• Good domain knowledge in credit ratings/banking/financial services sector.
• Assessment of creditworthiness of large and medium businesses.
• Good analytical and presentation skills to present facts and recommendations.
• Good written and oral communication skills in English.
• Good customer communication skills.

Responsibilities

• Undertake rating assignments for financial instruments and ensure timely delivery.
• Independently handle rating assignments and analyze financial statements.
• Prepare rating reports covering risk assessment.
• Interact with company management and visit companies for monitoring.
• Perform regular surveillance and handle audit queries.

Skills

Good domain knowledge in credit ratings/banking/financial services sector

Analytical approach

Good analytical and presentation skills

Good communication skills in English

Good customer communication skills

Understanding of accounting standards

Strong quantitative and analytical skills

Interpersonal skills

Job description

Roles and Responsibilities

• undertaking rating assignments in respect of financial instruments, bank loans, and other debt products, ensuring timely delivery as per regulatory timelines
• independently handle rating assignments and analyze financial statements factoring quantitative & qualitative data points, key ratios, and performance to assess creditworthiness
• prepare rating reports covering 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
• perform regular surveillance, monitoring, and reviews on a quarterly basis/material event basis, tracking performance of companies with respect to macroeconomic changes, and handle internal and external audit queries
• strictly adhere to standard operating procedures, regulations & policies

Competency / Skills

• Good domain knowledge in credit ratings/banking/financial services sector with an analytical approach
• Assessment of creditworthiness of large and medium businesses
• Good analytical and presentation skills to present 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 guidance of mentor team members
• Skilled in working with details and numbers