Credit Analyst I/II - Global Corporate and Investment Banking - Energy

Job Overview This role is responsible for analyzing and interpreting a client’s credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client’s financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank’s risk appetite. The role will be filled as a GCIB Credit analyst within our Energy group. Position may be hired as Credit Analyst I or II, based on experience. Responsibilities Analyzes client’s financial performance by comparing it to past performance, projections, and industry standards. Reviews financial statements, assesses the client’s compliance with financial covenants, and renews risk ratings, while recommending changes as warranted. Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures. Evaluates transaction and relationship risk‑adjusted profitability to facilitate the allocation of capital. Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings. Develops financial statement forecasts and enterprise valuations. Discusses the merits of financing transactions from a credit risk and relationship perspective. Reviews legal documentation related to loans and derivatives. Writes credit memorandums to summarize analysis and conclusions. Required Qualifications Commercial and/or corporate banking credit underwriting–related experience, preferably within a bank or large financial institution. Understanding of foundational finance and accounting concepts. Proficient written and verbal communication skills. Strong time‑management skills with the ability to manage multiple priorities. Proficiency in Excel, including the use of formulas and data analysis tools. Demonstrated experience analyzing corporate financial statements, interpreting income statements, balance sheets, and cash flow statements. Experience producing analytical written summaries. Desired Qualifications Bachelor’s Degree with emphasis in finance, accounting, or economics. Skills Analytical Thinking Financial Analysis Financial Forecasting and Modeling Profitability Analysis Research Analysis Attention to Detail Business Acumen Credit and Risk Assessment Underwriting Written Communications Collaboration Critical Thinking Portfolio Analysis Prioritization Technical Documentation Shift and Hours 1st shift (United States of America) 40 Hours Per Week #J-18808-Ljbffr