Credit Risk Analyst

• Accountability for ensuring strong analysis of the assigned portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
• Assist analysts and associates to perform periodic monitoring of the portfolio
• Ensure maintenance of organized credit files for credit, regulatory and compliance purposes and ensuring compliance with WCR policies and processes
• Analyze the credit risk by performing tasks that includes reviewing deal documents & legal documentation
• Prepare credit approval memos analyzing the risk associated with the collateral quality
• Analyze periodic data & report for any discrepancy in the data
• Collect, organize and analyze data from internal and external sources
• Enhance efficiency through automation & technical skills
• Maintain regular and open communication with internal as well as external team members on various tasks
• Understand the domain and implement quick fix solutions to align the development activities with dynamic business needs
• Stay abreast with the latest developments in the structured finance market and understand on their potential impact

• Bachelor’s/University degree or equivalent experience
• 1-3 years of credit, portfolio management or product experience (preferably in structured finance/securitization) in a financial institution, rating agency, financial guarantor or asset management firm
• Good analytical skills to filter, prioritize and validate potentially complex material from multiple sources
• Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
• Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
• Pro-active disposition with ability to work autonomously and within a team
• Creative thinker who is adept at taking an analytical approach to problem solving
• Strong attention to detail – the candidate will have responsibility for reviewing credit agreements / legal documents to ensure that all risk and business points are covered
• Excellent oral and written communications skills enabling the candidate to effectively interact with internal and external constituents of all levels
• Strong Microsoft Office skills

Modelling experience is a plus

• Extensive on-the-job training and exposure to senior leaders, as well as more traditional learning
• The chance to give back and make a positive impact where we live and work through volunteerism