Project Finance Credit Analyst

Apple Bank•New York, NY

61d•$95,000 - $110,000

About The Position

The Project Finance Credit Analyst assists in the active management of a loan portfolio with a focus on large projects in various industries including data centers, infrastructure, renewable energy, LNG liquefaction and export terminals. The incumbent is responsible for risk grading and risk analyses/credit approval for annual reviews, amendments, renewals and/or modifications, related documentation, and the organized tracking and monitoring of account and portfolio performance.

Requirements

Bachelor’s degree required, preferably in Finance, Accounting, or Economics.
2 - 3 years of relevant experience.
Advanced analytical and financial modeling capability.
Develop and maintain in-depth understanding of commercial, economic and financial circumstances and how they impact loan borrowers and sponsors.
Self-starter with demonstrated ability to manage a transaction.
Must be proficient in MS suite of products (Word, Excel, & PowerPoint).
Excellent communication skills (verbal + written).
Strong interpersonal skills, and proven ability to work in a team environment.
Visa sponsorship not available.

Nice To Haves

Understanding of Project Finance transactions desired.

Responsibilities

Assist in monitoring the loan portfolio and updating risk management reporting tools, in collaboration with management, loan operations staff and other key stakeholders.
Monitor reporting and compliance requirements in loan documentation; review deliverables to confirm acceptable performance and ratings.
Coordinate with key internal partners to support servicing of existing customer base.
Ensure timely completion and tracking of internal deliverables such as reviews and renewals for existing credit customers.
Work in conjunction with manager to prepare for and present at loan committees and credit quality reviews as applicable.
Identify and resolve operational and credit issues with loans held in portfolio.
Evaluate and make recommendations of loan amendments, increases, extensions and modifications.
Prepare and present deal-screening memorandum and prepare approval memorandum concisely analyzing borrower/guarantor/off taker’s financial condition, perform cashflow and collateral analysis, base and downside projection analysis, and analyze credit metrics to determine credit risk.
Run risk rating model, interpret and support the risk rating recommendation.
Ensure compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements; identify and report exceptions and mitigate.
Assess industry/market/external factors impact on the credit transaction.
Monitor adequate completion of credit approval process, closing and post approval items.
Participate in ongoing pipeline meetings.
Maintain trend cards on a timely basis and ensure that files are kept up to date and orderly.
Approve funding requests in coordination with loan operations.
Conduct post-closing credit file and maintain post-closing files.
Assist Risk Team in the management of delinquent loans and reporting on status of delinquent loans.
Perform other duties as requested.