Credit Analyst – Diversified Corporate Team

General information

Entity

Reference

Publication date

Business type

Types of Jobs - Risk Management / Control

Job title

RPC - Credit Analyst – Diversified Corporate Team

Contract type

Permanent Contract

Job summary

Summary:

Challenging position in Credit Risk Analysis (“CRA”). CRA New York analyzes and recommends counterparty credit exposures, which are proposed by the bank’s business units in the Americas. The Credit Analyst is assigned to a Diversified Corporate team, but may also work on other projects as needed.

Key Responsibilities:

Responsible for Diversified Corporate files.  Assist, as needed, with other projects.

• Upon receipt of a credit request generated by the Front Office (commercial unit), the Credit Analyst reviews it for completeness, interfacing with the originators to obtain whatever additional documents, cash flow projections, industry data or other information is necessary for a thorough understanding of the risk.
• Writes a comprehensive credit analysis, evaluating the borrower’s balance sheet and income statement, cash flow statements and projections, the structure of the transaction, exposure size and risks and mitigants in the proposal.
• Reviews and recommends the borrower’s credit rating using the bank’s internal rating model.
• Works with supervising Sector Head to determine a final recommendation to be presented to Senior Management and Credit Committee.
• Manages the completion of the file under the supervision of the Sector Head in order to meet deadlines.
• Verifies data inputs (including risk ratings, profitability assumptions) within several databases and works with commercial units to resolve issues, if any.
• Works on various ad hoc portfolio or counterparty research requests.

Salary Range: $130K-$160K

Geographical area

America, United States Of America

City

NEW YORK

Candidate criteria

Minimal education level

Bachelor Degree / BSc Degree or equivalent

Academic qualification / Speciality

Education Essential: Bahelor’s degree in Finance or related field

Education Desirable: MBA or CFA

Level of minimal experience

3-5 years

Experience

Experience Essential: 3+ years of experience

Experience Desirable: Bank Credit Training from a well-known institution

Required skills

Competencies Required

• Ability to analyze and summarize information                            

• Ability to prioritize effectively           

• Ability to work autonomously           

• Ability to work successfully in a team

• Adaptability to changing environments

• Effectiveness at decision making    

• Ability to deal with issues

Skills and Knowledge Requirements

• Capacity to develop others              

• Capacity to delegate                        

• Capacity to cooperate / work across discipline

Technical skills required

Technical Skills

• Strong credit skills
• Balance sheet and income statement analysis experience                      
• Understanding of cash flow and projection models                                   
• Understanding of risk exposure and size