As a Credit Risk - Associate within Corporate Investment Bank (CIB) Wholesale Credit Risk, you will have responsibility for diligence, risk grading, structuring, and on-going monitoring and management of a diverse and complex portfolio of risks. Applicable client exposures include high grade and leveraged loans, asset-based structured financing, extensive derivatives and securities trading relationships, and intra-day liquidity facilities. You will serve as the Credit Officer and primary coverage for credit relationships as well as develop the analytical skills of junior team members.
Job Responsibilities
- Be responsible for lending activities and trading related credit exposures with the Japan based companies including their overseas subsidiaries across the spectrum of Corporates and Financial Institution sectors
- Perform customer due diligence and financial analysis and summarize in written credit approval memos and reviews
- Review and approve trading activity, including recommending margin requirements as well as structural enhancements
- Develop and recommend appropriate structural solutions to mitigate risk on structured financings, and perform cash flow analysis under stressed scenarios
- Set and communicate credit exposure appetite across trading products utilizing internal exposure methodologies
- Oversee legal negotiations for traded products
- Assess creditworthiness of clients and assign appropriate credit ratings
- Maintain updated credit research on a portfolio of clients
- Demonstrate ability to mentor/guide junior resources. Manage own workload and analyst's workload, delegate with appropriate guidance and ensure deadlines are understood and met, and where needed, confidently escalate to senior managers
- Lead group wide efficiency projects and assist in training and developing analysts
- Drive and participate in client due diligence meetings
Required qualifications, capabilities and skills
- Credit risk experience required
- Some accounting and corporate finance coursework
- Strong interest in client interaction and possess outstanding verbal and written communication skills
- Ability to perform well under pressure in a demanding environment
- Be proficient in Excel, PowerPoint and Word
- Japanese and English language skills required
Preferred qualifications, capabilities and skills
- At least 3 years of work experience in financial services preferred (investment banking or similar)