Corporate Credit Analyst

Date
10/31/2018
Location
New York, NY
Compensation
N/A

Job Function:

  • Reviews/assesses credit applications from branches/agencies.
  • Provides effective analysis of credit including, worthiness of applicant, loan structure, risk return, applicant operating profile and industry profile including historical profit and loss performance, financial condition and cash flow. Creates cash flow projections, commenting on the reasonableness of assumptions in both management’s and companies sensitivity cases. Compares the prospective borrower to its peers and notes industry trends.
  • Prepares accurate, clear, well-organized and complete written summary/analysis (Credit Opinion) with recommendations for approval or decline. Discusses with branches/agencies potential changes to credit structure or other conditions for which we would grant credit approval.
  • Presents credit approval recommendations to senior management.
  • Thoroughly analyzes and recommends appropriate Technology & Business Services industry subsector and Borrower exposure to maximize risk return.
  • Recommends appropriate risk rating for each customer/transaction as required.
  • Directly engages in external meetings/presentations/events with syndicate banks, rating agencies, clients, law firms and other related parties, in co-ordination with coverage bankers, other product partners and   affiliates.  
  • Proactively monitors and assesses assigned borrowers/industries including market data such as share price, EDF, CDS or loan secondary price or other appropriate indices and reports the information and its impact on credits/industries to Senior Management in a timely manner.
  • Complies with credit standards, policies, objectives and requirements.   Plays strong management role with branches/agencies to ensure they understand and comply with the policies.
  • Acts as liaison between, gathers information (especially on problem customers) from and exchanges views with  branches/agencies/other  Credit Departments and senior management regarding issues related to credit applications, monitoring, analysis, standards and  policies.

Requirements:

Proven credit analysis skills and related analytical  skills/knowledge/abilities:

  • Exhibits a capacity to analyze the underlying credit trends, including the competence to accurately assess credit migration trends and default possibility of the borrowers.
  • Demonstrates credit skills/ability to accurately identify and evaluate underlying risk elements of the borrowers.
  • Aptitude to write well organized, accurate and in-depth reports based on information gathered and thoughtful cash flow projections.
  • Strong multitasking ability to proactively monitor on an on-going basis the pool of credits to detect potential credit problems at an early stage.

Other  skills:

  • Undergraduate degree in Accounting, Business, Finance or Economics or strong quantitative background
  • Solid time management skills.
  • Ability to plan and schedule work to meet both long term and short term time frames.
  • Consistently demonstrates effective negotiation, verbal and written communication skills.   Ability to present credit package to decision maker.
  • Excellent interpersonal skills.
  • Capable of working well independently and in teams.
  • Strong knowledge of credit policies and procedures.
  • Effectively analyzes and solves problems/issues.
  • Proficiency with Capital IQ, Bloomberg, MS Excel, Word and PowerPoint
  • Formalized credit training from an accredited financial institution (3+ years experience) and proficient financial modeling skills

 

Contact Details:

Dan Alzapiedi

914-595-5746

dalzapiedi@madisondavis.com