Director, Credit Analyst – Commercial and Industrial (Credit Approval Dept)

Full Time

International Banking Client

Office Status: Hybrid

Salary: $170,000 – $200,000

Responsibilities:

  • Prepare credit reports with special attention on information integrity, analytical quality and credit merits.
  • Joint due diligence vetting, structuring and analysis on potential transactions
  • Prepare credit assessment including adjudication opinion, projections and stress test, to be reviewed by the Head of the Consumer and Industrial team prior to CAC.
  •  Present and defend cases in the CAC and CMC, where applicable.
  • Prepare approval form, including any conditions precedent (“CP”, or pre-requisite) to the credit approval.
  • Vet that all applicable CPs have been satisfactorily met prior to closing/funding.
  • Review GCMS entries accordingly
  • Review legal documents with the focus on credit terms (covenants, collateral, amortization, interest rates and other special items)
  • Post disbursement – prepare, jointly with the RM, interim and scheduled annual review on a timely basis.
  • Post disbursement – attend to all audit, loan review and regulatory requirements.
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