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What general valuation approaches are important to credit analysis (asset management)?
For an interview I'm reviewing (among other things) the three broad methods and when to prefer one over another: Income-based/DCF (discounting FCFF by WACC, probably going to ignore Cap Earnings in time interest of time) Market-based (P/E, P/Sales, P/CF, EV/EBITDA, EV/Sales comaparables) Asset-based...
Question regarding i) consolidation; and ii) how corporate groups can move assets around
Hi, I recently started as a credit analyst in a commercial bank. My group focuses mostly on project finance with some run-of-the-mill corporate lending as well. I come from a non-accounting/non-finance background so I am having a lot of studying and reading to do, which I like. But a couple things I...
Getting a job after moving countries? Need advice. In a really bad place rn
Ok, so I'll make this as short as I can. I'm not gonna give much more detail than what I state here: Due to personal reasons (nothing criminal or legal lol so don't assume), I will be leaving Canada and moving to the UK after my job contract ends in a few months here. I need advice on how I can grow...
Fundamental analysis on securities trading business (please help!)
Hello everyone, So I need to do a fundamental financial analysis on a business that is 100% focused on trading in securities (they are not in market-making for clients, they earn small but consistent margin from arbitrage). This is essentially and investment fund. On the basis of my analysis we are...
Leasing Credit Analyst? Worth it?
Hi guys. I just had an interview with BofA as a credit analyst in their leasing division. I'm currently working at a small company in their FP&A department. Graduated in 2015 from a semi-target school with a finance degree. The thing is, the job is essentially entry level. It's just spreading...
Credit Analysis Career
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EXIT OPS: Commercial Lending?
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credit analysis help
i am starting my career as a credit analysis and i have many questions !!! can i find a real credit analyst who loves to help?????? plzzzz
Credit Analysis in the FIG or CF group
Hi guys, I am wondering what would be the better starting point if I am aiming for a buy-side position in my future career. It seems to me that, the financial institution debt is occupying a larger portion in the debts capital market, however, if I am looking for a buy-side career opportunities in...
Bond Rating Agency Exit Opps
Does anyone have any idea what kind of exit opportunities there are from the big 3 ratings agencies? I imagine that they would include credit hedge funds/ PE / Asset Management , but is there anything else I’m not thinking of? More specifically, would FI S&T be an option?
Is S&T right for me? Offers at DB Credit Trading & > $1bn Buyside Fundamental Credit Fund
Hey guys, I'm a junior at a target (Ivy) interested in credit. I'm trying to figure out the best way to get to a credit HF . I currently have offers to join DB's structured credit desk as well as as a HY credit analyst at a >$1bn credit fund at a large bank. Obviously 1 is sell-side and 1 is...
Move From Commercial Banking To Credit Research
Hi, I've been working in commercial banking for almost 3 years now. Have completed the CFA Exams also. My long term goal is to move to credit research. I'm currently looking to transfer to our corporate banking team to gain further experience, as well as look at research roles elsewhere. Would...
Moody's Credit Estimates Research??
How are the exit ops for research role at Moody's credit estimates team? Any tips or books I can read to nail the technical interview?
Wells Fargo Summer Financial Analyst Program
Hey Everyone, I had a first round interview with Wells Fargo back in August for their Summer Financial Analyst Program for Summer 2015. After 2 or 3 weeks I heard back that I moved on to their final step which is a superday in SF next month. I know the superday is going to be mostly technical...
Is this a bad role post-MBA?
I applied for a position thinking that it was closer to my background and was given an interview for this role. I made the mistake of not applying to a more traditional IB role at the same firm when I had the chance Anyone have any insight into this role type and the relevant skills gained in it?...
Project Finance - Job Strategy
I have been trying to break into IB since I graduated last year with no luck. I realize though I really want to get into project finance (infrastructure loans) and am considering to focus on credit roles. From what I understand credit risk way to get into the industry. However, I met a Project...
Principal Debt/Credit Investing Interview Questions
Hi there, am looking for any type for information on how to prepare / what questions to expect in interviews on principal debt/credit investing interviews (focus on private subordinated debt, senior secured loans etc investing). In addition, how would such investments be valued on a day-2-day basis?...
Credit Analyst Certifications
I just landed a job as a Credit Analyst at a smaller bank in North Dakota. What would be good programs/certifications I could start studying for?
Non-target MSF
Hey monkeys, I am a 24 year old MSF student with 1 year work experience and internship experience from undergrad. I am looking to get into equity research specifically, but also applying for jobs in credit analysis and wealth management. Please be harsh! 1. Is my education section too large? 2....
Commercial Banking Credit Analyst Resume Review
Hi Monkeys, I'm 25-years old and hope to break into commercial banking as a Credit Analyst from an insurance/retail banking background. Please critique the attached resume as best you can! My GPA is a 2.85 (Transfer Student; Total GPA = 3.2) and is not included on my resume. Would love to read any...
Calling all Corp Bond Analysts...
I have a case study in which I am supposed to provide a credit analysis on a private bond placement. I am given the yield spread as well as all the financial information for tha company in question including all the quantitative analysis (ratios, cash flows, etc.). What are some important points to...
Healthcare industry being counter-cyclical
Hi all, I have heard and read now several times that the healthcare industry is counter-cyclical and thus a good investment during economic downturns. Supposably more jobs are added to the indstry in downturns as many vacancies are available and laid-off workforce would turn to those. However this...
Credit Analysis Training/Certification
Hi all, My company does not currently offer a credit training program internally, but I have the option to take one from an external party. The question is, which one? I have heard that Omega Credit Training is a decent program (I know of at least one commercial bank that uses them). I also know...
Analyzing credit health
Hi all, I need to review a company's credit position. This is from the point of view of a investor buying debt and holding until maturity. What are the kinds of metrics I should look for? Besides profitability and leverage, what else is important in credit analysis of this sort? Thanks in advance.
Commercial Banks - Outsourcing Credit Analysis
I am curious if any commercial banks out there outsource their loan credit analysis. Seems like a company who has a handful of great credit guys in a place like China, follows and knows US banking standards and how to underwrite to those standards could make a killing from banks who want to scale...
Case Study - How to convince bankers to grant you a loan
Hi, this is my case study question, I seek your advice in how I should go about in answering it well. Thank you very much!! :) "You are an independent businessperson meeting with a group of bankers. You have submitted a business loan application to the Bank and have been called to explain your...
IG credit at jefferies
Can anyone speak to the strengths of the IG desk at Jefferies ? In particular the credit analysis that supports the trading ? Also anything regarding atmosphere, comp, exits would be much appreciated. Thanks in advance.
Exit Opportunities for Goldman Credit Analyst
What are the exit opportunities for Credit Analyst at Goldman Sachs vs Equity Research at another BB ( UBS / Credit Suisse ) ? Can a transition be made to investment banking later on? Long term goals to enter PE ... http://www2.goldmansachs.com/careers/our-firm/div…
Municipal Bond Benchmarks
Can anyone tell me where I can find financial ratio benchmarks to help me analyze the credit quality of a municipality? There doesn't seem to be anything online short of paying Moody's or some other research company.
How many "buy-side" investment clients would pay between $20,000 to $40,000 service fees for big 3 credit rating agency - Moody'
Hello, I am doing research on the credit rating industry. There is much controversy among Credit rating agency's business model post sub-prime. The issuer pay model clearly has serious conflict of interests. Beside income from debt issuers, does anyone know roughly how many investment clients (e.g....
good books for Credit analysis
Are there any good books on Credit Analysis? Fitch offers a course on the same but its too expensive. http://www.fitchtraining.com/en/course/282/corporate-credit-analysis.as… Credit analysis Best books on credit analysis Banks, bond investors and analyst conduct credit analysis on companies to...
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