Credit Analyst I/II - Global Corporate and Investment Banking - Energy
About The Position
This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client's financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions. This role will be filled as a GCIB Credit analyst within our Energy group. Position may be hired as Credit Analyst I or II, based on experience.
Requirements
- Commercial and/or corporate banking credit underwriting–related experience, preferably within a bank or large financial institution
- Understanding of foundational finance and accounting concepts
- Proficient written and verbal communication skills
- Strong time‑management skills with the ability to manage multiple priorities
- Proficiency in Excel, including the use of formulas and data analysis tools
- Demonstrated experience analyzing corporate financial statements, interpret income statements, balance sheets, and cash flow statements
- Experience producing analytical written summaries
Nice To Haves
- Bachelor's Degree with emphasis in finance, accounting or economics
Responsibilities
- Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
- Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
- Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures
- Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
- Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
- Developing financial statement forecasts and enterprise valuations
- Discussing the merits of financing transactions from a credit risk and relationship perspective
- Reviewing legal documentation related to loans and derivatives
- Writing credit memorandums to summarize your analysis and conclusions
Benefits
- competitive benefits to support their physical, emotional, and financial well-being
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
