About The Position
We're seeking a Credit Risk Analyst who will be part of our growing Portfolio Management Group. You will handle credit coverage for clients in our Diversified Industrials segment for investment grade and non-investment grade public and privately owned corporate borrowers. You'll prepare detailed credit analyses and the required credit applications which include the evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance, and capital structure. As an Analyst, you'll assess risk factors associated with each credit and determine the appropriate risk ratings based on established policies and guidelines. You will support active credit management and new transaction underwriting utilizing solid credit and analytical skills, analyzing risks and mitigants, including monitoring credits for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank’s net income while minimizing credit costs.
Requirements
- Bachelor's degree required; degree in Finance, Accounting, Economics, or related field preferred
- Minimum 1 year experience in commercial banking, corporate banking, private credit, credit risk management or related financial services roles.
- Foundational understanding of corporate finance, accounting, financial statements, cash flow analysis, and credit risk fundamentals.
- Strong quantitative, analytical, and problem-solving skills with high attention to detail.
- Experience with three-statement financial modeling, valuation, and credit analysis.
- Ability to interpret business performance, industry trends, and transaction structures with guidance from senior team members.
- Strong written and verbal communication skills, including the ability to summarize analysis clearly and concisely.
- Ability to work collaboratively, manage multiple priorities, meet deadlines, and respond effectively in a fast-paced environment.
Nice To Haves
- CFA or MBA is a plus
- Completion of a formal credit training program is preferred.
Responsibilities
- Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio.
- Coordinate and communicate account information across various constituencies throughout the organization.
- Responsible for knowledge of particular industries and all current events in assigned portfolio utilizing internal and external sources.
- Oversee covenants compliance database and facility closing due diligence, including documentation.
- Attend client meetings when appropriate.
- Participate in special projects as assigned.
- Work within a deal team environment (with Global Relationship Managers, Credit Administration, Sponsor Coverage, and Capital Markets) to support the development and analysis of financing structures/strategies.
- Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs.
- Support credit analysis for structured credit transactions (derivatives transactions, receivable securitizations).
- Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues.
- Conduct site visits and participate in client and bank meetings as necessary.
- Support the communication with the credit approval division including final hold level strategies to ensure alignment of risk strategy and policy.
- Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level with regard to exposure on both a transaction and group level.
- Ensure compliance with policy and regulatory requirements.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
