Credit Research Project # 6 – FMCG Sector Training Course

About Credit Research Project # 6 – FMCG Sector

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Credit research deals with bonds and the fluctuations of rate of interest in the market. Credit research is a complicated term and it is yet very interesting subject. Credit usually specifies fixed income of an organization. We can look at a credit researchers job and the term credit research one by one as this term is based on a few fundamentals let’s look at them on by one.

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About Credit Research Project # 6 – FMCG Sector

Credit research deals with bonds and the fluctuations of rate of interest in the market. Credit research is a complicated term and it is yet very interesting subject. Credit usually specifies fixed income of an organization. We can look at a credit researchers job and the term credit research one by one as this term is based on a few fundamentals let’s look at them on by one.

1. The 1st five requirements of credit research starts with competition within the industry. Bargaining power or the bargaining capacity of the customer is the second fundamental of credit research. Even the suppliers’ bargain, so bargaining power of the suppliers is the 3rd fundamental of credit research. Then threat of substitute products and finally threat of the new products or new launches are the last two fundamental requirements for credit research.
2. The credit researcher has another job to do that is the analysis of the issuer of bonds and debentures. The study about the issue includes his credit analysis that is his financial statement. Bonds and debentures are supposed to be the most safe and most liquid product for an investor, more liquid than even bank fixed deposits. What the researcher needs here is rating of the company, the net debt of the company along with its income before tax and depreciation deduction. Funds from the operations upon net debt, debt upon capital and their final 5 year credit default swap or CDS, and not to forget the necessities for research differs with the industry and also each company.
3. Now is the time the credit researcher needs to conduct the issuers analysis along with the security check of the issuer. Consideration here is analyzing the views of certain issues of the organization for example their bonds and loans, checking theircapital structure and its process as it will help to understand the position of the company in the market and the industry in the three stages of the market for example its resilience stage, the shock stage and finally in its recovery stage. In the current market the investors prefer investing in bank debts rather than in an insecure debt for the investor find his money safe in any situation of the market even deep recession.
4. In order to avoid black holes and defaults and in order to generate a higher value for the investor capital a credit researcher conducts these researches or these analyses. They also use traffic light system to recommend bonds and debentures to their clients. for example the red light resembles the bonds or the company that are not safe, where as the yellow light resembles the bonds of the company that are safe yet risky and finally the green light resembles the bonds of the company that quite safe.

To sum up to the entire conversation or explanation of the notes above we can confirm that the analysis of a credit research revolved around the documentation of the bonds of the issuers.

1. You can be a financial risk manager with any finance company or a bank.
2. You might be a credit manager or a credit analyst of any organization.
3. Credit portfolio managers of finance companies.
4. Asset managers of any organization in any industry.
5. Investment professionals, investment of financial sales officers of finance companies.
6. And if you are a student who wants to pursue your career in any of the above fields then this is the right course for you.

1. A bachelors degree in either in finance or economics or other related fields is important as your degree will give you a basic understanding about the topic. Added benefits will be degrees such as CA, ICWA, MBA, CMA and CS
2. Practicing the best practices of the course and the industry is a mandate here. You should also be interested in performing credit appraisals using the best industry practices.
3. Interest in identifying problems in the credit loans of the issuer of the bonds along with generating better trade ideas.
4. Building and maintaining different types of credit risk models.

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