In-depth knowledge of credit analysis, underwriting, and risk management
Proficient in financial statement analysis and projection modeling
Familiarity with U.S. GAAP and IFRS accounting principles
Experience with secured and unsecured loan documentation
Understanding of U.S. capital markets and banking regulations
Proficient in Microsoft Excel and Word
Undergraduate degree in Finance, Accounting, Economics, or related field
Preferred: postgraduate degree or completion of a major-bank credit training program
Responsibilities
Analyze corporate credit proposals from business units
Validate historical financial data and assess forecasts
Review financing structures and challenge key assumptions
Evaluate external ratings and legal contingencies
Confirm internal ratings and complete necessary documentation
Prepare clear credit opinions and support approval processes
Monitor deteriorating positions and recommend risk-mitigation actions
Benefits
Opportunity to advance into a senior career in credit analysis
Work within a dynamic Corporate and Investment Banking Division
Engage with a diverse range of corporate credit proposals
Collaborate with decision-making bodies on credit assessments
Gain exposure to structured finance and project finance transactions
Full Job Description
Overview
You will join the Credit Officer International Network within the Corporate and Investment Banking Division at the New York Hub. You will be responsible for independently assessing corporate credit proposals, safeguarding portfolio credit quality, applying the Bank's credit policies and delegated lending authorities, and providing clear recommendations to the relevant decision-making bodies. Knowledge of the fundamentals of structured finance and project finance transactions would be considered an asset.
What you'll be doing
Key responsibilities include:
Analyze corporate credit proposals originated by the business units
Validate historical financial data from annual reports, Form 10-K, Form 10-Q and interim results; assess forecasts, liquidity, leverage and debt-service capacity
Review financing structures, security packages, guarantees, collateral, covenants, market trends, regulatory factors, business plans and sensitivity analyses, challenging key assumptions
