Senior Credit Risk Analyst
4 semanas atrás
This role is responsible for supporting the Credit Analyst team in the U.S. with credit initiation of new clients as well as periodic credit risk assessment of existing clients in the CTA (Commodities, Trading and Agribusiness) portfolio in the U.S. This includes management of team deliverables w.r.t. timely drafting of credit analysis through Business Credit Applications (BCAs) and Group Mandates as directed by the Credit analyst team in the U.S. Led by the Head of Corporate Credit analysts.
Key Responsibilities- Support completion of mandatory checklists including Climate Risk Assessment, Environment & Social Risk Assessment and Reputational Risk assessment.
- Complete Fraud Risk Assessment for all clients including assessment of red flags in the fraud risk report and trade counterparty assessment.
- For FX limits, complete limit review and substantiation exercise in line with Financial Markets Appropriateness and Credit Term Sheet updates based on RM/Risk feedback.
- The position is also responsible for managing team deliverables related to assisting U.S. analysts with portfolio credit monitoring activities as follows:
- Completion of annual credit reviews of assigned accounts and re-assess key risks and re-evaluate internal credit grade. Ensure zero annual credit review overdues and minimize review extensions.
- Identify client limits with low / nil utilization and escalate to the respective Relationship Manager for input / additional discussions with product partners and / or clients.
- Prepare interim BCAs to increase / decrease limits, propose amendments/waivers, refresh financial analysis, update Credit Grade (when required), etc.
- Support coverage team in structuring deals and present credit proposals in senior business and risk approval committees.
- Monitor Covenants & Risk Triggers (C&RTs). Raise any breaches under (C&RTs) to Relationship Manager, and Credit.
- Monitor and assess rating agencies actions including downgrades or outlook changes.
- Perform credit stress testing on assigned names, when required.
- Ensure compliance with all internal and regulatory credit / other portfolio related policies in conjunction with GAMs. Support senior Credit Analysts and GAMs in preparing and responding to internal / external audits and regulatory exams.
- Ensure that all relevant client information, including financials, compliance reports, credit agreement, amendments, credit approvals, dispensations, endorsements, etc., is clearly named and saved in the shared drive in an organized manner.
This is a challenging and rewarding role that requires a strong analytical mind and excellent communication skills. The successful candidate will have a proven track record of credit analysis and risk assessment, and will be able to work effectively in a team environment.
The ideal candidate will have a strong understanding of credit risk management and will be able to analyze complex financial data and make sound recommendations. They will also have excellent communication and interpersonal skills, and be able to work effectively with colleagues and clients at all levels.
We offer a competitive salary and benefits package, as well as opportunities for professional development and career advancement. If you are a motivated and ambitious individual who is looking for a new challenge, we would welcome your application.
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