Associate Director, Credit Risk Management
5 days ago
Job Summary
Evaluate commercial loan requests by reviewing applicants' credit histories and analyzing financial statements to approve or deny loan applications. Utilize extensive knowledge, skills, and practices to perform complex assignments.
Job Description
What is the Opportunity?
Evaluate commercial loan requests by reviewing applicants' credit histories and analyzing financial statements to approve or deny loan applications. Utilize extensive knowledge, skills, and practices to perform complex assignments.
Key Responsibilities:
- Review credit history, profitability, and liquidity of clients to assess risk level involved in credit extension or money lending.
- Consult with customers to verify financial and credit transactions; respond to customer inquiries and resolve customer complaints.
- Communicate with credit associations and other relevant authorities about credit history of customers.
- Analyze financial data to determine customers' financial status and expected profitability of commercial loans; recommend approval or denial of loan applications.
- Work closely with business on risk aspects of new transactions under consideration and provide direction and guidance as required to ensure eventual deal structure adequately mitigates key risk concerns.
- Review Single Name Strategies and Credit Requests within agreed timelines, evaluate risks, and highlight exceptions to applicable policies and guidelines; recommend appropriate course of action to GRM executives.
- Review borrower risk assessments in a timely manner to identify and evaluate major risks and adjudicate appropriate Risk Rating to meet regulatory and business requirements.
- Prepare peer group comparisons from both business and financial perspectives in support of risk rating recommendation.
- Develop complex financial models (including income, balance sheet, and cash flow statements, breakeven analysis, and multivariable sensitivity testing).
- Actively follow business and financial performance through continuous monitoring of financial and industry information, regulatory events, external rating agency movements, and other early warning signals.
- Ensure timeliness and accuracy of Classification/Watch Report.
- Support senior staff as required, mentor junior staff if applicable.
- Ensure continuous improvement culture with particular focus on reducing non-value-added processes.
Requirements:
- Bachelor's degree required.
- 5-8 years of related work experience, including experience working in group risk management or a corporate banking function of a major investment bank.
- Two years of experience developing financial models, performing credit risk analysis, and working with Capital Markets division of a Global bank.
- Ability to prepare clear and concise reports in a timely fashion, documenting applicable business requirements and regulatory concerns.
- Strong communication (written and verbal) and interpersonal skills.
What's in it for you?
We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.
- A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable.
- Leaders who support your development through coaching and managing opportunities.
- Ability to make a difference and lasting impact.
- Work in a dynamic, collaborative, progressive, and high-performing team.
- Opportunities to do challenging work.
- Opportunities to build close relationships with clients.
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