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Job Description:
This job is responsible for analyzing credit and investigating existing and prospective clients and counterparts. Key responsibilities include focusing on but not limited to credit, market, and reputational risk; as well as adherence or monitoring of credit risk policies, risk appetite, and reporting, including but not limited to Top of House (TOH) and Line of Business (LOB) specific reports or regulatory related reporting.
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. May manage an industry specific portfolio of clients.
Responsibilities:
Sets or supports the oversight of the ongoing management of risk parameters and guardrails for credit risk while ensuring adherence to risk appetite/limits, and actively inspects and/or designs risk scenarios to implement decisions
Supports the credit approval process and therefore is accountable for overall portfolio performance and asset quality, including underwriting, structuring and monitoring tasks
Conducts analysis, inspects and/or develops credit risk reporting for specific products, and monitors and reports on key indicators for changes in credit quality to communicate to senior management
Ensures adherence to policy and standards and performs due diligence that the risk is within the bank's defined risk appetite, using knowledge of stress testing and its applicability to credit risk
Supports monitoring of adherence to industry risk governance, as well as monitoring for potential operational, reputational and market risk issues
Identifies risks early that could impact the assigned portfolio and coordinates with business counterparts to resolve portfolio issues
Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
Trains, coaches, and mentors Credit Analysts
Required Qualifications:
5+ years of commercial banking related experience for Credit Risk Office or 2+yrs for GCIB/GMC Associate
Proficient Microsoft Office experience
Must have financial analysis and modeling experience
Desired Qualifications:
Credit experience and credit training
Knowledge of financial institutions industry
Skills:
Credit and Risk Assessment
Financial Accounting
Issue Management
Portfolio Analysis
Risk Analytics
Attention to Detail
Business Intelligence
Collaboration
Interpret Relevant Laws, Rules, and Regulations
Regulatory Compliance
Oral Communications
Presentation Skills
Prioritization
Project Management
Written Communications
BA Degree in Finance, Accounting or related field
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