As a Lead Credit Officer on the Banks and Broker Dealers team, you will leverage your analytical abilities and industry knowledge to make and support credit decisions for a diverse portfolio of clients. You will manage exposure to a variety of financial institutions, demonstrate sound credit judgement, and build strong relationships across the firm.
Job Responsibilities
- Manage exposure to a client base consisting of North American Banks, Broker Dealers, Fintechs, Credit Unions, Card Processors, and other financial institutions
- Lead due diligence, evaluate and action credit requests, risk grading, and on-going monitoring and management of a diverse portfolio of risk including traditional credit products, markets products (derivatives, trading, and financing), intraday liquidity facilities, and other credit exposures
- Demonstrate sound credit judgement and effective risk monitoring through collaboration across multiple lines of business and credit teams
- Manage the daily risk demands of a portfolio of clients, evaluating and executing on a variety of transactions for financial institutions
- Oversee transaction execution, including client analysis, preparation of credit approval materials, lead discussions with bankers, legal documentation negotiation, setup of credit facilities and ongoing monitoring of clients post transaction approval
- Build strong relationships and maintain open communication channels with colleagues across the firm, including bankers, operations, legal, and finance
- Monitor clients and update key stakeholders on important developments with regard to clients or industry and potential impact on credit rating
- Stay informed about the evolving economic, legislative, and regulatory environment that impacts the financial institution sector
- Provide leadership and input into key projects and contribute to process and efficiency improvement initiatives
- Train and mentor the team’s junior credit officers, fostering their development and growth
Required Qualifications, Capabilities and Skills
- Bachelor's Degree
- 7+ years of credit or market risk experience within financial services
- Knowledge of financial institutions
- Knowledge of accounting and ability to financial statements analysis
- Strong understanding of financial products, corporate finance and market dynamics
- Experience negotiating loan and trading documents
- Strong interest in client interaction and possess outstanding verbal and written communication skills
- Ability to perform well under pressure in a demanding environment
- Candidate should be highly proficient in Excel, Powerpoint and Word
Preferred Qualifications, Capabilities and Skills
- Experience in wholesale credit risk and/or financial institution groups