Credit Analyst II/III-Global Markets Credit

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This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client's financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions.

Job Responsibilities:

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
• Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
• Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures
• Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
• Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
• Responsible for all aspects of the credit management of Private Equity Funds - Trading (PEF). This is a high-volume and fast-moving portfolio that utilizes a risk-based approach to drive revenue while maintaining appropriate credit risk disciplines.
• Credit analysis: Participate in initial and ongoing due diligence of PEFs. Perform quantitative and qualitative credit assessment, setting internal ratings and recommending credit limits.
• Trade approval: Draft approval memos to seek Risk approval of one-off trade requests for OTC derivatives including a recommendation to support the rationale for approval of the risk.
• Relationship management: Build strong working relationship with external PEF clients, internal business partners including Sales, Structuring & Trading, Risk counterparts, Legal and Audit Function
• Risk monitoring: Undertake regular exposure analysis and portfolio monitoring including quarterly receipt and spreading of financial information and compliance with ATEs and CSA Thresholds.
• Trading documentation: Liaise with Sales, Legal and client in negotiating ISDAs and CSAs.
• Portfolio reviews: Preparation of portfolio reports and credit reviews, including analysis and drivers of OTC exposure highlighting any counterparties of concern and other pertinent risk issues.

Required Qualifications:

• 2+ years of counterparty credit risk management and due diligence experience required (financial institutions or funds preferred).

• Proficient with Microsoft Office, General knowledge of PEF and financial derivatives

Skills:

• Analytical Thinking
• Financial Analysis
• Financial Forecasting and Modeling
• Profitability Analysis
• Research Analysis
• Attention to Detail
• Business Acumen
• Credit and Risk Assessment
• Underwriting
• Written Communications
• Collaboration
• Critical Thinking
• Portfolio Analysis
• Prioritization
• Technical Documentation

Shift:

1st shift (United States of America)

Hours Per Week:

40