Manager Credit Analyst - US Corporates

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Job Profile:

Support Portfolio Management Group (PMG) for credit portfolio management and credit risk assessment. Manage/support credit coverage with moderate oversight from the Senior Portfolio Managers for corporate banking clients based in North America.

Job Responsibilities:

Active Credit Risk Management of Designated Customers under the Guidance of Senior Portfolio Managers.

• Manage a designated portfolio of Oil & Gas/ Power & Utility portfolio of US Corporate credit customers.


• Perform due diligence and scheduled reviews regularly.


• Analyze credit risk of the designated portfolio, determine accurate ratings, and make recommendations of accurate and timely ratings to management with support from senior portfolio manager.


• Prepare detailed credit analysis and credit applications in accordance with Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, evaluating the borrower’s industry / business / legal / financial risks and recommending extensions of credit to management.


• Basic cash flow modeling skills and understanding of assigned industries / industry sub-sectors are required and maintain most updated knowledge on the industries through internal / external sources and direct communication with the customers.


• Able to understand and assess risk of standard bank products such as loans, stand-by LC, trade finance, forex, derivatives, and securitization.


• Maintain direct communication with assigned customers.


• Oversight of covenants compliance, facility due date, condition / instruction / report required.


• Responsible for coordinating and communicating account information to internal auditors and external regulators (e.g., FRB, FSA, BOJ, SNIC, OCC).


• Ongoing training to enhance the all-around skill sets of a portfolio manager.


• Perform other related functions as assigned.

• Work with business lines / product groups to identify prospective transactions.


• Identify structural risks and mitigants in prospective transactions and recommend / enhance structuring of deals and covenant in line with policies and procedures.


• Advise credit risk managers on credit risk issues, terms & conditions, to create the best possible deal with a goal of improving profit and minimizing credit cost with support from senior portfolio manager.


• Communicate with credit divisions regarding rating rationale, facility structuring / exposures, and ensure credit divisions are furnished with all credit related information / analysis pertinent to decision making.

• Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC).


• Ensure compliance with internal policy and procedures by understanding and adhering to Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, Manual, and any other applicable pronouncements.

Job Requirements/ Qualification:

• Minimum of 5 years of working experience in financial institutions or equivalent, in accounting / financial analysis areas.
• Should have experience in credit analysis of corporates, preferably with Oil & Gas/ Power & Utility sector of North America.
• Strong financial modeling and analytical skills a must.
• Excellent communication skills (both oral and written).
• Master’s degree required (major in accounting / finance / business preferred).
• MBA or CFA is a plus.
• Completion of formal credit training is a plus