Senior Credit Analyst, Vice President

Purpose

Responsible for processing credit requests and annual reviews in the Securitization group.

Key Responsibilities

• 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. Key Internal contacts • Local Front Office teams (GMD, ERA, Coverage)

• Head Office SCS RPC and Front Office

• Local RPC teams (Counterparty Risk, Market Risk, Admin-Monitoring and Projects, Enterprise-Wide Risk) • Loan Review SPECIAL ROLE REQUIREMENT

Education

Required

• Master’s degree in business / finance

Experience

Required

• 5-15 years of credit experience at a bank and/or a credit rating agency

Desired

• Experience in sectors covered a strong plus (Securitization)

Competencies Required

• Strong ability to:

− Succinctly analyze and synthesize credit risk

− Cooperate with local and international teams

− Make presentations to Credit Committee and other constituents as needed

− Be proactive, work independently and solve problems

− Manage high workload, be flexible to changing environments

− Manage and provide guidance to junior staff

Competencies Desired

• Knowledge of French a plus

Skills and Knowledge Requirements

• Credit analysis, financial modelling, legal documentation
• Bank governance, methodologies and regulatory environment
• Microsoft Office suite
• Lucid written and verbal communication skills