Credit Risk Associate – Middle Market Corporates

As a Credit Risk Associate in the Middle Markets team in the Commercial Banking division, you help the firm manage the risk in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities.  Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.

Job responsibilities

• Independently manage own client portfolio - prepare credit analysis on assigned clients - covering macro-overview, industry/sector, business, financials, projections modelling and recommend changes to credit ratings and amendments to facilities. Actively work on portfolio management activities such as periodic financial performance diligence, etc.
• Assist in negotiating of the credit terms along with senior credit officers and take lead in finalizing documentation (credit agreements and amendments)
• Support due diligence on capital market transactions for clients.
• Work closely with Approvers/ Senior Credit Officers in North America on new to bank client activities such as evaluating prospects, onboarding new clients and new facilities, actively provide recommendations on deal structuring. 
• Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Officers, Bankers, Middle Office, etc.
• Engage junior team members in deals for support and review their work.
• Develop strong working knowledge and track clients/sectors related to diversified industries on an on-going basis.
• Ensure governance, reporting and data quality requirements are met and maintained for client and client families.
• Actively support ED/VPs in driving projects at LoB level – trainings, internship, recruitment, etc.

Required qualifications, capabilities, and skills

• Minimum 3 years of experience in corporate credit risk analysis

• Post graduate degree

• Ability to work independently as well as in a team environment

• Strong communication & interpersonal skills; ability to effectively present analysis and build positive relationships with global stakeholders

• In depth understanding of financial statements, including ratio analysis, cash flow analysis and accounting standards

• Excellent academic record, strong grasp of corporate finance concepts and application, close attention to detail and accuracy 

• Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies 

• Proficient in the use of MS Word, Excel and PowerPoint