✨ AI Summary
The Credit Risk Associate in the Middle Market Corporates team will manage a client portfolio, prepare credit analyses covering various aspects like financials and projections, and recommend changes to credit ratings. Responsibilities include assisting in negotiating credit terms, finalizing documentation, and supporting due diligence on capital market transactions. The role involves close collaboration with senior credit officers and business lines, building relationships with stakeholders, and engaging junior team members. The associate will also develop knowledge of specific sectors and economies, ensure governance and data quality, and support broader team projects.
Requirements
Requires a postgraduate degree and a minimum of 3 years of experience in corporate credit risk analysis. Must possess strong analytical skills, including in-depth understanding of financial statements, ratio analysis, cash flow analysis, and accounting standards. Proficiency in MS Word, Excel, and PowerPoint is essential, along with excellent communication and interpersonal skills.
Description
As a Credit Risk Associate in the Middle Markets team in the Commercial Banking division, you help the firm manage the risk in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.
Job responsibilities
- Independently manage own client portfolio - prepare credit analysis on assigned clients - covering macro-overview, industry/sector, business, financials, projections modelling and recommend changes to credit ratings and amendments to facilities. Actively work on portfolio management activities such as periodic financial performance diligence, etc.
- Assist in negotiating of the credit terms along with senior credit officers and take lead in finalizing documentation (credit agreements and amendments)
- Support due diligence on capital market transactions for clients.
- Work closely with Approvers/ Senior Credit Officers in North America on new to bank client activities such as evaluating prospects, onboarding new clients and new facilities, actively provide recommendations on deal structuring.
- Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Officers, Bankers, Middle Office, etc.
- Engage junior team members in deals for support and review their work.
- Develop strong working knowledge and track clients/sectors related to diversified industries on an on-going basis.
- Ensure governance, reporting and data quality requirements are met and maintained for client and client families.
- Actively support ED/VPs in driving projects at LoB level – trainings, internship, recruitment, etc.
Required qualifications, capabilities, and skills
Minimum 3 years of experience in corporate credit risk analysis
Post graduate degree
Ability to work independently as well as in a team environment
Strong communication & interpersonal skills; ability to effectively present analysis and build positive relationships with global stakeholders
In depth understanding of financial statements, including ratio analysis, cash flow analysis and accounting standards
Excellent academic record, strong grasp of corporate finance concepts and application, close attention to detail and accuracy
Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies
Proficient in the use of MS Word, Excel and PowerPoint