Associate/AVP, Corporate Credit – Consumer & Healthcare

Office Status: Hybrid

Compensation: $80,000 – $120,000

Responsibilities:

• Reviews/assesses credit applications from branches/agencies.
• Provides effective analysis of credit including, worthiness of applicant, loan structure, risk return, applicant operating profile and industry profile including historical profit and loss performance, financial condition and cash flow.
• Creates various types of projection/recovery/other financial models, commenting on the reasonableness of assumptions in both managements and client’s sensitivity cases.
• Compares the prospective borrower to its peers and notes industry trends.
• Prepares accurate, clear, well-organized and complete written summary/analysis (Credit Opinion) with recommendations for approval or decline. Discusses with branches/agencies potential changes to credit structure or other conditions for which we would grant credit approval.
• Presents credit approval recommendations to senior management.
• Thoroughly analyzes and recommends appropriate Borrower exposure to maximize risk return.
• Recommends appropriate risk rating for each customer/transaction as required.
• Directly engages in external meetings/presentations/events with syndicate banks, rating agencies, clients, law firms and other related parties, in co-ordination with coverage bankers, other product partners and client affiliates.
• Proactively monitors and assesses assigned borrowers/industries including market data such as share price, EDF, CDS or loan secondary price or other appropriate indices and reports the information and its impact on credits/industries to Senior Management in a timely manner.
• Complies with credit standards, policies, objectives and requirements. Plays strong management role with branches/agencies to ensure they understand and comply with the policies.
• Acts as liaison between, gathers information (especially on problem customers) from and exchanges views with branches/agencies/other Credit Departments and senior management regarding issues related to credit applications, monitoring, analysis, standards and policies.