Job Summary:

• Approving or recommending to senior credit analysts for approval new credit extensions, amendments, renewals and/or re-financings.
• Performing counterparty credit analysis on new transactions including, but not limited to, credit due diligence meetings, cash flow and liquidity analysis, sensitivity analysis, and collateral and enterprise valuation analysis.
• Reviewing and revising obligor specific internal risk ratings and SNC ratings assigned to capture differing degrees of credit risk over time.
• Evidencing a robust assessment of existing credit exposure through quarterly and annual monitoring reports.
• Identifying early remedial action on deteriorating credits, working jointly with the workout department to manage problem credits and/or workout situations.
• Ensuring information systems measure obligor specific credit risk, including the composition, quality, and concentration of risk correctly against relevant limits.
• Provision of comprehensive and timely portfolio reporting for purposes of management oversight.
• Implementing the bank’s credit risk strategy and credit risk appetite.
• Implementing policies and procedures to identify, measure, monitor and control portfolio credit risk.

Skills on Resume:

• Credit Risk Analysis (Hard Skills)
• Cash Flow Assessment (Hard Skills)
• Risk Rating Management (Hard Skills)
• Credit Monitoring (Hard Skills)
• Remedial Action Planning (Soft Skills)
• Risk Data Accuracy (Hard Skills)
• Portfolio Reporting (Hard Skills)
• Credit Policy Implementation (Soft Skills)

Job Summary:

• Assess and monitor credit risk according to regulatory and internal risk policies on a portfolio of corporate clients
• Interact with different departments and stakeholders as part of the corporate credit process, on a local and international scale
• Prepare written credit proposals combining financials analysis with sectorial information to support credit committee decisions regarding the client’s risk of default, credit rating and adequacy of the proposed financing
• Working with Corporate Banking clients, ranging from local subsidiaries to the largest companies from across Europe, Middle East and Africa, across many industries
• Gain in-depth knowledge of a wide range of Corporate Banking products including Liquidity / Working Capital facilities, Derivatives, Cash Management and Trade Finance
• Manage a range of corporate and institutional clients across of range of industries
• Completing analysis on clients and assets, focusing on capital structure
• Origination and execute loans inclusive of negation and documentation
• Structuring credit and loans for new and existing clients
• Identify and pursue business development through working with internal teams across global offices.

Skills on Resume:

• Risk Monitoring (Hard Skills)
• Stakeholder Interaction (Soft Skills)
• Proposal Writing (Hard Skills)
• Client Management (Soft Skills)
• Product Expertise (Hard Skills)
• Industry Analysis (Hard Skills)
• Loan Execution (Hard Skills)
• Business Development (Soft Skills)

Job Summary:

• Assist Senior Credit Analyst in researching, assessing, and monitoring investment grade and high yield corporate bond issuers, including primary market issuance, secondary market idea generation, and existing holdings
• Assist in evaluation, reporting, and recommendation of credits via analysis of financial statements and SEC filings, third-party research, and discussions with management
• Assist in development of and improvement upon existing processes in order to streamline portfolio monitoring activities, investment idea generation, and communication for a growing corporate bond portfolio
• Develop financial models capable of incorporating micro- and macroeconomic assumptions to project revenue, earnings, and cash flow performance
• Communicate effectively and in a timely manner through concise written reports / summaries
• Collect and collate data to disseminate to sales, marketing, portfolio managers, and other stakeholders
• Liaise with IT and operations to automate reports and streamline tasks
• Prepare credit applications/papers inclusive of analysis for new transactions, and undertake credit review
• Monitor and manage assigned accounts actively, being aware of credit deterioration or improvement

Skills on Resume:

• Credit Research (Hard Skills)
• Financial Analysis (Hard Skills)
• Process Improvement (Hard Skills)
• Model Development (Hard Skills)
• Report Writing (Hard Skills)
• Data Management (Hard Skills)
• IT Collaboration (Soft Skills)
• Account Monitoring (Hard Skills)

Job Summary:

• Work closely with the head of department practicing strong risk assessment procedures towards new transactions and management of portfolios.
• Partner with Front Office deal teams to ensure delivery to clients.
• Take ownership of transactions from beginning to approval.
• Assist with analysing financial and structural risks and provide advice to structure transactions and mitigate identified risks.
• Escalate issues to senior team members 
• Create and maintain strong relationships with the team and cross functional departments.
• Update sector credit spread trackers and relative value comps using trader runs and publicly available market data.
• Analyze the historical and project the future performance of corporates and sectors
• Analyze and extract relevant historical operating and credit metrics from balance sheet, income and cash flow statements for both US (GAAP) and European (IFRS) IG and HY corporates
• Create and update 1-page corporate summaries using operating and financial models

Skills on Resume:

• Risk Assessment (Hard Skills)
• Client Delivery (Soft Skills)
• Transaction Ownership (Hard Skills)
• Financial Advising (Hard Skills)
• Issue Escalation (Soft Skills)
• Relationship Building (Soft Skills)
• Data Analysis (Hard Skills)
• Financial Modeling (Hard Skills)

Job Summary:

• Act as an escalation point for questions and issues raised by clients or by data entry colleagues
• Analysing the applicable financial situation and making a decision or recommendation
• Review financial data sets produced by Credit-Vision system and automation tools
• Oversee onboarding of new clients, as well as new assets from existing clients. 
• Provide clear new requirements to technology colleagues
• Exhibit a deep understanding of financial statements and key ratios/metrics
• Flexible and excited to work on an emerging product line and technology
• Customer focus, develop strong professional relationships with key clients
• Collaborative and able to listen to new points of view, as well as articulate a strong opinion
• Maintain a deep understanding of loan market trends and issues

Skills on Resume:

• Issue Resolution (Soft Skills)
• Financial Analysis (Hard Skills)
• Data Review (Hard Skills)
• Client Onboarding (Soft Skills)
• Technology Coordination (Soft Skills)
• Financial Acumen (Hard Skills)
• Customer Relations (Soft Skills)
• Market Trend Analysis (Hard Skills)

Job Summary:

• Assist in the preparation of credit applications, principally for Investment Grade Corporates 
• Deliver high-quality applications to enable credit committee to make an informed decision.
• Assist with the monitoring and reporting of credit exposure / risk in line with internal policies and risk appetite.
• Ensure the effective administration of the credit portfolio, monitoring of credit limits, reviewing documentation.
• Assist in the preparation of country reports with a view to establishing country limits by product.
• Analyze and extract relevant historical operating and credit metrics from balance sheet, income and cash flow statements for both US (GAAP) and European (IFRS) IG and HY corporates
• Create and update 1-page corporate summaries using operating and financial models
• Update sector credit spread trackers and relative value comps using trader runs and publicly available market data.
• Analyze the historical and project the future performance of corporates and sectors
• Communicate with colleagues 

Skills on Resume:

• Credit Applications (Hard Skills)
• Risk Reporting (Hard Skills)
• Portfolio Management (Hard Skills)
• Country Analysis (Hard Skills)
• Financial Analysis (Hard Skills)
• Summary Creation (Hard Skills)
• Data Updating (Hard Skills)
• Team Communication (Soft Skills)

Job Summary:

• Ensure that complete set of documents required for analyzing the credit application are submitted
• Prepare loan application and submission to Local Branch Manager and/or Central Credit Assessment (Hq’s) for approval.
• Assess income statement, on and off-balance sheet
• Perform ratio analysis and comparative corporate assessment
• Prepare accurate cash flow analysis in order to evaluate debt serviceability of the borrower
• Assess and evaluate Credit bureau in particular Centrale Rischi Interbancaria
• Analyze collateral/guarantor in order to set the required % of unsecured for the lender
• Identify some of the early warning signs of financial statements 
• Perform internal credit rating
• Assess the key drivers of business planning
• Monitor credit Approval documentation, reports and financial performance

Skills on Resume:

• Document Verification (Hard Skills)
• Loan Submission (Hard Skills)
• Financial Assessment (Hard Skills)
• Ratio Analysis (Hard Skills)
• Cash Flow Analysis (Hard Skills)
• Collateral Analysis (Hard Skills)
• Credit Rating (Hard Skills)
• Performance Monitoring (Hard Skills)