Associate - Credit Research

Key Responsibilities

1. Credit Research & Analysis

• Conduct fundamental credit analysis on corporate issuers, sectors, and investment opportunities.
• Prepare credit assessment papers, internal credit ratings, investment recommendations, and ad hoc research reports.
• Analyse financial statements, business fundamentals, industry dynamics, and credit risks to assess investment suitability.
• Support the development of investment views and credit strategies across sectors and issuers.

2. Portfolio Monitoring & Market Intelligence

• Monitor approved and prospective investee companies, industries, and market developments.
• Identify and escalate material developments that may impact the creditworthiness of issuers or investment portfolios.
• Conduct due diligence through engagements with investee companies, regulators, rating agencies, and industry participants.
• Gather market intelligence and provide timely updates on economic, regulatory, and industry trends affecting credit markets.

3. Reporting & Presentation

• Prepare and present research findings, credit opinions, and investment recommendations to internal stakeholders and investment committees.
• Produce regular portfolio updates, research reports, and market commentaries.
• Support the preparation of management and committee papers for investment deliberations.

4. Research Modelling & Data Management

• Develop, maintain, and enhance financial models, credit assessment tools, and analytical frameworks.
• Perform qualitative and quantitative analysis to identify investment risks and opportunities.
• Maintain research databases and ensure the accuracy, integrity, and timeliness of research information.

5. Stakeholder Engagement & Continuous Improvement

• Participate in meetings, conferences, industry briefings, and knowledge-sharing initiatives.
• Build and maintain professional relationships with investee companies, financial institutions, rating agencies, and industry participants.
• Contribute to departmental initiatives, process improvements, and special projects to enhance research effectiveness and operational efficiency.

Key Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business, or any related discipline.
• Minimum of four (4) years of relevant experience in credit research, fixed income, corporate banking, credit risk, debt capital markets, or investment analysis.
• Strong financial statement analysis and financial modelling skills.
• Familiarity with credit markets and investment research methodologies.
• Strong analytical, communication, and stakeholder management skills.