As a Credit Risk Vice President on the Wholesale Credit Risk (WCR) Team Vice President, you will be responsible for lending activities, portfolio monitoring and managing investment-grade related credit exposures. In this role, you will be responsible formanaging new and existing lending activities, analyzing and approving other credit requests, and performing on-going portfolio monitoring. You willutilize your superior analytical skills, combined with credit and industry knowledge, to make and support credit decisions for a portfolio of clients. You will be supported by a dedicated team of analysts and will play an important role in mentoring and developing junior talent to enhance the performance of the broader team.
Job Responsibilities
- Identify the key risk factors and develop forward-looking risk assessment associated with clients, transactions and industry sub-sectors across an assigned portfolio to ensure ratings are accurate and reflect a current forward-looking view of the client
- Approve new and manage credit exposure for a portfolio of clients
- Provide early identification and proactive management of deteriorating credits and other problem situations
- Provide ownership of client credit needs and projects and independently develops a credit opinion and recommendation
- Prepare and review credit approval materials, ensure all credit risk policies are followed, and present and recommend credits for approval
- Apply corporate finance and accounting expertise to assess appropriate financing structures
- Analyze and negotiate transaction structure, covenants and legal documentation to ensure terms are appropriate and consistent with credit appetite for loans and derivatives
- Prepare and present annual portfolio review and quarterly financial snapshot of portfolio to senior management
- Assist in training and developing analysts and associates
- Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process
- Work closely with analysts and middle office and data teams to ensure accuracy of credit system data
Required Qualifications, Capabilities and Skills
- Bachelor's degree
- 6+ years of commercial/investment banking lending experience including extensive credit, structuring, and origination experience
- Superior credit, lending, negotiation, loan documentation and modeling skills
- Performs well under pressure in a demanding environment managing multiple tasks simultaneously
- Strong attention to detail and an excellent work ethic
- Independently productive and works well in a team environment
- Provides leadership and mentorship to junior team members
- Proficiency in Microsoft Office Suite, especially Excel, PowerPoint and Word
Preferred Qualifications, Capabilities and Skills
- MBA degree
- Understanding of or experience in covering power and utility companies
- Completion of a commercial/investment bank credit training program or equivalent experience and a thorough understanding of bank credit policies and procedures