Credit Analyst

Credit AnalystThis is a credit position with a stable Fortune 500 utility company located in New Jersey. The successful candidate will provide analytical and credit underwriting expertise to support the loan origination and portfolio monitoring efforts of the Solar Loan Program. The Senior Credit Analyst will be actively involved in making credit recommendations to management and in advising on structuring of new transactions for purposes of mitigating risk.Key DutiesImplement corporate credit policy and procedures and perform credit reviews for solar loan program commercial applicants.Evaluate credit proposals and applications, conduct due diligence and make written credit recommendations to management.Establish and maintain contact with clients throughout the due diligence process to obtain/provide information and advice, conduct interviews and relay information regarding the process and Client's requirementsReview and analyze financial statements, credit ratings, financial models, both for existing clients and on new solar financing opportunitiesIdentify structural risks and mitigates in prospective transactions and recommend enhancements and structuring of deals and covenants in line with policies and procedures.Assist in documenting new financing transactions.Responsible for monitoring of borrowers' financial condition to determine collateral requirements as required by the loan agreement.Recommend enhancements to credit procedures in line with Board of Public Utilities approved Board Order.Assist in the identification and analysis of potential business transactions and assist in the preparation of presentations/pitchesEnsure compliance with program policies and procedures and SOX controls.Maintain and apply working knowledge of Client Standards for Business Controls and meet management's expectations for effective internal business controls.Provide support for special projects and other functions as requested.Essential Qualifications:Bachelor Degree in business or finance or equivalent experienceMinimum 3 years financial analysis and/or credit experienceProject finance experience/knowledgeStrong technical, computational and quantitative skillsAbility to make decisions and proactively resolve borrower issues.Understanding of financial statements, corporate finance theories and practices, credit and risk principles, accounting, economics and statistics as well as strong research skills.Excellent analytical ability including demonstrated knowledge of valuation techniques and practices, including cash flow analysisAbility to build, review and maintain complex cash flow forecasting models with an excellent understanding of lending financial concepts and ratiosExcellent interpersonal, presentation, oral and written communication skills and an ability to explain complicated financial concepts to all levels, including clients and senior managementComfortable interacting with and managing relationships with clients' senior management during loan due diligence and portfolio monitoring.Demonstrated job commitment including a willingness to work under deadlines in a high-volume, fast-paced, results-driven environment with flexibility and adaptability in order to meet client requirementsProven ability to pay close attention to detail, multi-task and work collaboratively within a team under tight deadlinesWell-developed organizational and time management skills in order to respond to shifting priorities on several simultaneous projectsProficiency in Microsoft Word, Excel and PowerPoint.Candidate must foster an inclusive work environment and respect all aspects of diversityDesired Qualifications:Previous US power and renewables experienceC.P.A., C.F.A, MBA or other related Master's degreePrior investment/corporate banking work experience3 years + of Project Finance experience/knowledge.Understanding of New Jersey's solar energy market and familiarity with local utility solar financing programs.