AVP - Corporate Credit Analyst - Second Line of Defense


: $175,340.00 - $175,340.00 /year *

Employment Type

: Full-Time


: Executive Management

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Title: Corporate Credit Analyst - Consumer / Retail / Industrial
Summary: This position requires an individual who can skillfully serve as a linchpin between the various stakeholders within the branches, agencies and other credit departments. The Credit Department AVP must possess in-depth industry knowledge and have his/her finger on the pulse of market trends in order to make accurate recommendations to senior management approval or denial of credit requests.
Core Responsibilities: 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 both managements and 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. Complies with credit standards, policies, objectives and requirements. Plays strong management role with branches/agencies to ensure they understand and comply with the policies. 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 consumer & retail or industrial industry. 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.
Associated topics: analyst, audit, credit, equity trading, finance, financial, financial services, kpmg, revenue, treasure * The salary listed in the header is an estimate based on salary data for similar jobs in the same area. Salary or compensation data found in the job description is accurate.

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