Corporate Credit Analyst

Full Time

Madison-Davis

EXTERNAL CLIENT ROLE

Overview:

This position requires an individual who can skillfully serve as a linchpin between the various stakeholders within the branches, agencies and other credit departments. The Credit Department Analyst/Associate must possess or being able to quickly learn detailed 3-statement cash flow modelling, be supportive in researching, analyzing and summarizing industry fundamentals, and be knowledgeable about financial statement analysis and accounting.

Job Duties:

  • 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 management’s and bank’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.
  • Recommends appropriate risk rating for each customer/transaction as required.
  • 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.

Job Qualifications:

  • Proven credit analysis skills and related analytical skills/knowledge/abilities:
  • Able to construct 3-statement cash flow models, supported by justifiable assumptions.
  • Demonstrates basic industry knowledge and information on key industry players within the consumer & healthcare or industrial industry.
  • Exhibits a capacity to analyze the underlying credit trends, including the competence to accurately assess credit migration trends and default possibility of the borrowers.
  • Demonstrates credit skills/ability to accurately identify and evaluate underlying risk elements of the borrowers.
  • Aptitude to write well organized, accurate and in-depth reports based on information gathered and thoughtful cash flow projections.
  • Strong multitasking ability to proactively monitor on an on-going basis the pool of credits to detect potential credit problems at an early stage.
  • 1-2+ years experience in some or all of the above.

Other skills:

  • Undergraduate degree in Accounting, Business, Finance or Economics or strong quantitative background.
  • Solid time management skills.
  • Ability to plan and schedule work to meet both long term and short term time frames.
  • Consistently demonstrates effective negotiation, verbal and written communication skills.  Ability to present credit package to decision maker.
  • Excellent interpersonal skills.
  • Capable of working well independently and in teams.
  • Effectively analyzes and solves problems/issues.
  • Proficiency with Capital IQ, Bloomberg, MS Excel, Word and PowerPoint
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