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Responsible for processing credit requests and annual reviews in the Securitization group.
Job Responsibility:
Preparation of the second level RPC opinion, including independent analysis of the borrower, transaction structure, term sheet, financial models, etc. Review and verify risk parameters (ratings, LGD, RWA). Process Phidias/Crew
Present the risk opinion to the RPC management and the NYCC
Frequent interaction with the various Front Office teams to gather additional information concerning the client, discuss credit risk issues and mitigants, and obtain relationship profitability information and commercial support/strategy
Active coordination with RPC HO to discuss the risk opinion, communicate credit issues and trend as appropriate, and act as an information relay to the local analysts regarding any governance change impacting the credit process and analysis
Active monitoring of the sectors and portfolios covered, and communication to senior management locally and in Head Office as appropriate, participation in Early Warning meetings and SAR meetings
Contribute to the US Risk Committee, to the external and internal audit assessments (FRB, SNC, IG), Loan Review missions, assist in portfolio reviews or special projects as needed
May also be asked to analyze counterparties in different sectors depending on workloads
Requirements:
Master's degree in business / finance
5-15 years of credit experience at a bank and/or a credit rating agency
Strong ability to succinctly analyse and synthesize credit risk
Strong ability to cooperate with local and international teams
Strong ability to make presentations to Credit Committee and other constituents as needed
Strong ability to be proactive, work independently and solve problems
Strong ability to manage high workload, be flexible to changing environments
Strong ability to manage and provide guidance to junior staff