Credit Risk Analyst

2 weeks ago

New York, New York, United States Michael Page Full time
  • Attractive Compensation Package
  • Location: New York
About Our Organization

We are a financial institution dedicated to providing services to individual and entrepreneurial clients, as well as corporate entities.

Position Overview
  • The role involves managing commitments that primarily involve average to high levels of risk, complexity, and difficulty. Key responsibilities include:
  • Enhancing the risk outcomes and quality of the credit portfolio under your management.
  • Striking a balance between risk and return considerations.
  • Conducting timely, precise, and independent evaluations of the financial and economic conditions of individual borrowers and borrowing entities, including the analysis of annual financial statements and relevant industry segments.
  • Assessing the value of collateral and ensuring proper documentation.
  • Establishing ratings in a consistent and risk-sensitive manner, adhering to applicable guidelines, and making adjustments as necessary.
  • Providing guidance and support to the market unit during internal exposure discussions.
  • Engaging in customer meetings as needed and maintaining regular communication for risk-critical or complex credit structures.
  • Reviewing contract documentation, particularly credit and collateral agreements, to ensure compliance with decisions made, especially regarding restrictive provisions and covenants.
  • Identifying and proactively addressing risks, maintaining accurate data in the Early Warning Tool (EWT) and/or Credit Watchlist.
  • Collaborating with other credit officers to ensure a consistent and clear credit policy.
  • Monitoring and reporting on any deterioration in creditworthiness, and coordinating with Intensive Treatment units as per guidelines.
  • Informing the Group Head or Head of Department about any process disruptions or significant issues.
  • Adhering to Service Level Agreements regarding quality and quantity.
  • Ensuring data integrity, particularly concerning regulatory requirements.
  • Fostering knowledge transfer and team collaboration.
  • Assisting senior management with risk management tasks, including portfolio analysis.
  • Acting as a mentor or trainer for junior staff during internal training sessions.
  • Reviewing daily and weekly overdraft reports and addressing any violations.
  • Following up on conditions and their fulfillment.
  • Managing special projects, including audit preparations.
  • Performing additional responsibilities as required.
We are committed to diversity and inclusion, encouraging applications from all qualified individuals regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, marital status, or any other protected status.

Ideal Candidate Profile
  • Several years of experience in analyzing and making decisions on credit exposures within corporate lending, complemented by specialized training.
  • Strong background in finance and accounting.
  • Proficient in financial modeling, projections, and sensitivity analysis.
  • Bachelor's degree in a business-related field; MBA or CFA is advantageous.
  • Thorough understanding of legal and tax implications in the credit sector.
  • Broad knowledge of business management and industry analysis.
  • Extensive familiarity with various financial products.
  • Exceptional verbal and written communication abilities.
Compensation and Benefits

Attractive compensation package offered.

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