Risk Division - Dallas - Associate, Credit Risk - 9333054
About The Position
Assess the credit and financial strength of the firm's Natural Resources counterparts by performing fundamental credit analysis of both quantitative and qualitative credit factors. Determine and manage the firm's credit risk appetite across derivatives, loans, funding and deposits for a portfolio of Natural Resources counterparts which includes setting credit exposure limits and tracking of these limits. Approve derivative and funding transactions while ensuring appropriate documentation and risk mitigants to protect against default and minimize potential losses. Perform credit underwriting of lending transactions, contributing credit recommendations and support to the firm's capital committee approval process. Coordinate with Global Banking and Markets (GBM), Asset Wealth Management (AWM), Legal, Operations and Compliance departments to approve the transactions and ensure proper documentation. Recommend and defend internal and regulatory risk ratings for counterparts/transactions as required. This includes presenting findings and recommendations to senior management and answer questions relating to analysis performed. Proactively monitor and assess counterparts and industry subsectors including based on market indicators, regulatory guidance, rating agency commentary and counterparty surveillance and report relevant information and its impact to senior management in a timely manner.
Requirements
- Master’s degree (U.S. or foreign equivalent) in Finance, Financial Management, Accounting, Economics, or a related field and one (1) year of experience in job offered or a related role OR Bachelor’s degree (U.S. or foreign equivalent) in Finance, Financial Management, Accounting, Economics, or a related field and three (3) years of experience in job offered or a related role.
- Performing credit analysis using both quantitative and qualitative factors to assess borrower and counter party risk.
- Navigating the Federal Reserve Bank’s Shared National Credit (“SNC”) program, including reviewing and assessing risks in large and complex syndicated credits shared by multiple U.S. financial Institution.
- Applying financial analysis tools and techniques to evaluate liquidity, solvency, leverage, and profitability, and interpret how these financial ratios interrelate.
- Evaluating credit and financial strength of borrowers and conducting fundamental credit analysis.
- Assessing corporate performance by analyzing capital structure, cash flow trends, and financial prospects to determine intrinsic value, and conduct leveraged lending risk evaluations.
- Utilizing derivative products and trading documentation such as ISDAs, NAESBs, WSPPs.
- Reviewing Commitment Papers and Credit Agreements including, the underlying transaction structure and the main credit terms involved for protecting the lender recovery prospects.
Responsibilities
- Perform fundamental credit analysis of both quantitative and qualitative credit factors for Natural Resources counterparts.
- Determine and manage the firm's credit risk appetite across derivatives, loans, funding, and deposits.
- Set and track credit exposure limits for a portfolio of Natural Resources counterparts.
- Approve derivative and funding transactions, ensuring appropriate documentation and risk mitigants.
- Perform credit underwriting of lending transactions and support the capital committee approval process.
- Coordinate with various departments (GBM, AWM, Legal, Operations, Compliance) to approve transactions and ensure proper documentation.
- Recommend and defend internal and regulatory risk ratings for counterparts/transactions.
- Present findings and recommendations to senior management.
- Proactively monitor and assess counterparts and industry subsectors.
- Report relevant information and its impact to senior management in a timely manner.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Entry Level
