VP, Credit Analyst (Leveraged Finance)

Full Time

Madison-Davis Client

Summary:

This position requires an individual who is open minded (to new skills and potential new industries), can skillfully serve as a linchpin between various stakeholders within the branches, agencies and other credit departments. The Credit Department VP must possess industry knowledge and have their finger on the pulse of market trends in order to make accurate recommendations to senior management regarding credit requests.

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 management’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 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.
  • Demonstrates knowledge of regulatory expectations, specifically SR 13-3, and best practices for leveraged lending.
  • 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.

Qualifications:

Proven credit analysis skills and related analytical skills/knowledge/abilities:

  • Demonstrates in-depth industry knowledge and information on key industry players within the Healthcare industry (Pharmaceuticals; Medical Supply and Device companies, etc.) or other industries.
  • 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.

Desirable education/skillset:

  • MBA / Business degree in Accounting, Finance, or Economics, strong quantitative background.
  • CFA designation (or progress towards CFA designation)
  • An open mind, willing to learn new skills and unfamiliar industries.
  • 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
  • Formalized credit training from an accredited financial institution and proficient financial modeling skills

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