Key Responsibilities
Portfolio Management
- Actively manage a designated portfolio of corporate clients.
- Conduct due diligence and periodic credit reviews to assess risk exposure.
- Analyze credit risk, determine accurate risk ratings, and provide timely recommendations to management.
- Prepare detailed credit analyses and applications in line with internal policies and regulatory requirements, evaluating industry, business, legal, and financial risks.
- Independently coordinate and communicate key account information across various bank divisions, including business lines, product groups, and credit teams.
- Maintain direct engagement with assigned customers to monitor financial performance and risk profile.
- Collaborate with business lines and product groups to evaluate potential transactions.
- Identify structural risks and recommend risk mitigants for new deals.
- Advise account officers on credit risk issues, terms, and conditions to structure optimal transactions that maximize returns while minimizing credit costs.
- Independently liaise with credit division stakeholders, ensuring all relevant financial and risk analyses are provided with minimal oversight.
- Ensure adherence to internal credit policies, procedures, and external regulatory requirements.
- Contribute to ad-hoc policy discussions aimed at enhancing the organization’s credit risk framework.
- Provide training and guidance to junior analysts, supporting their professional growth and technical skill development.
- Lead junior analysts through complex credit assessments and underwriting processes.
- Foster a collaborative environment to enhance analytical capabilities across the team.
- 7–10 years of experience in financial institutions, with a focus on corporate credit risk analysis.
- 3–5 years of industry-specific experience in Technology, Healthcare, or Consumer Retail, particularly with large and mid-sized corporates.
- Strong expertise in corporate credit analysis, risk management, and financial modeling.
- At least 2 years of experience analyzing investment banking products, including asset-based lending (securitization, leasing), trade finance, and structured finance risks.
- Proven experience underwriting M&A transactions, including merger analysis and valuation.
- Deep understanding of loan documentation, corporate finance structuring, and risk assessment.
- Experience interacting with regulators and addressing regulatory compliance findings.
- Strong organizational and time-management skills.
