Annual Review (FIG) - Financial Institution Group - Analyst/Senior/Lead AnalystCandidates with 0-60 days' notice period are preferred!Key Performance Indicators (KPIs)For Financial Institutions (Banks, NBFCs, Insurance Companies)Monitoring of capital adequacy ratios (CET1, Tier 1)Assessment of asset quality indicators (NPA ratios, cost of risk)Evaluation of liquidity metrics (Liquidity Coverage Ratio)Analysis of profitability indicators (ROA, ROE, NIM)Monitoring of leverage ratios and balance sheet strengthFor Public Finance / Government EntitiesAnalysis of revenue stability and diversificationEvaluation of operating surplus / deficit positionsMonitoring of debt burden metrics (Debt / Revenue)Assessment of interest coverage and fiscal sustainabilityReview of liquidity position and cash balancesTracking of budget vs actual performance and capex executionSections Covered in Annual Credit Review ReportExecutive SummarySummary of credit profile, rating action, and key developmentsEntity OverviewBusiness model (FIG)
or governance structure (Public Finance entity)Operating Performance AnalysisEarnings profile (FIG) or fiscal performance (Public Finance)Asset Quality and Portfolio Analysis (FIG-specific)Review of loan book composition, sector exposures, and NPA trendsCapital and Leverage AnalysisAssessment of capital buffers and debt sustainabilityLiquidity and Funding ProfileEvaluation of funding mix, reliance on wholesale markets, or treasury positionRegulatory and Policy EnvironmentAnalysis of regulatory framework and government support mechanismsPeer BenchmarkingComparative analysis against industry peers or similar public entitiesRisk AssessmentIdentification of systemic, fiscal, and institution-specific risksRating Recommendation and RationaleFinal credit opinion, including support assumptions and rating sensitivities