Write comprehensive credit analyses evaluating borrower balance sheets, income statements, cash flow statements and projections, transaction structure, exposure size, and key risks and mitigants. The role is assigned to a Diversified Corporate coverage team offering broad sector exposure across a range of corporate borrowers while also providing support on ad hoc portfolio and research projects as needed.
This is a Credit Risk Analyst opportunity within the Credit Risk Analysis function of a well-established global financial institution, focused on independent credit analysis and recommendation of counterparty credit exposures proposed by business units across the Americas. The role is assigned to a Diversified Corporate coverage team offering broad sector exposure across a range of corporate borrowers while also providing support on ad hoc portfolio and research projects as needed. It's an ideal fit for a credit-trained analyst with 3+ years of experience who combines strong financial statement analysis skills with the ability to write clear, well-structured credit recommendations and work effectively under the supervision of senior credit officers in a deadline-driven environment.
RESPONSIBILITIES
Review credit requests generated by the Front Office for completeness;interface with originators to obtain additional documents, cash flow projections, industry data, and other information necessary for thorough risk assessment
Write comprehensive credit analyses evaluating borrower balance sheets, income statements, cash flow statements and projections, transaction structure, exposure size, and key risks and mitigants
Review and recommend borrower credit ratings using the bank's internal rating model
Work with the supervising Sector Head to determine final credit recommendations for presentation to Senior Management and Credit Committee
Manage completion of credit files under the supervision of the Sector Head to ensure timely delivery against deadlines
Verify data inputs including risk ratings and profitability assumptions within internal databases;work with commercial units to identify and resolve discrepancies
Support ad hoc portfolio and counterparty research requests as assigned