Senior Manager Manager Credit Rating with a Large Private Bank
Senior Manager Manager Credit Rating with a Large Private Bank
Posted on :
13-12-2024
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1 Vacancy
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Job Description
Job Purpose
- Primarily responsible to carry out independent assessment on the credit quality of a borrower to indicate the level of risk associated with the borrower by assigning ratings as per Banks internal rating model.
- Ensuring that the ratings are accurate and uptodate with the all available information at all points of time by tracking news reports both internal and external and quarterly performance of the
Job Responsibilities(JR):
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
- Followup 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
rating analyst,credit rating,credit risk
Employment Type
Full Time
Key Skills
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