Credit Analyst C11

Credit Analyst - C11/C12/C13

Credit Portfolio Analyst- C12

Assistant Vice President - Credit and Portfolio Risk

Credit Analyst - C10

Officer - Credit Risk Senior Analyst/Associate

Data Analytics- C11/C12/C13

SVP, Independent Risk Management Senior Credit Officer

Transformation - CVs (Proactive Pipelining role)

Senior Vice President, Credit Risk

Role Description: <ul><li>The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team.&nbsp;</li><li>The overall objective of this role is to manage companys portfolio exposure to clients and counterparties globally.</li></ul> Responsibilities: <ul><li>Resolve issues and recommend solutions to moderate problems.</li><li>Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family</li><li>Serve as an industry expert and advisor.</li><li>Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds.</li><li>Develop risk management framework and processes for funds.</li><li>Advise businesses and clients on transaction structures and negotiate credit terms.</li><li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firms reputation and safeguarding company, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul> Requirements: <ul><li>4-8 years of relevant experience.</li><li>Experience in financial analysis, accounting and valuation.</li><li>Consistently demonstrate clear and concise written and verbal communication.</li></ul>

Role Description: <ul><li>This role will be part of the Operational Risk and Control Organisation (CBORC) reporting to the CBORC Tech Head for APAC/EMEA.</li><li>The risk manager is responsible for managing a portfolio of risk management programs supporting the APAC and EMEA region across 17 markets.</li><li>This role is part of the team managing the business risk profile – identification, management, and mitigation including day-to-day, business activity across the APAC/EMEA regions, which encompasses 10 GCB Product Lines, 6 GCT CEOs in APAC/EMEA, and the GCB Digital Banking Business.</li><li>The role will support the compliance to internal policies, processes, and controls and compliance to external regulation while proactively evaluating the existing control environment for enhancement opportunities.</li></ul> Responsibilities: <ul><li>Establishes and oversees the application of operational risk policies, technology and tools, and governance processes to create lasting solutions for minimizing losses from failed internal processes, inadequate controls, and emerging risks.</li><li>Independently assess’ risks and drive actions to address the root causes that persistently lead to operational risk losses by challenging both historical and proposed practices.</li><li>Governance and oversight may include (not limited to) technology operational risk.</li><li>Serves as a subject matter expert for Issues Management (KPI/KRI/Corrective Action Plans).</li><li>Analyzes a multitude of scorecards/performance management tools in an attempt to mitigate exposure (risk/financial/regulatory).</li><li>Develops and maintains relationships across the business users and Lines of Defense to better understand and deliver customer requirements by responding to changes in the internal and external business environment in identifying and managing risks for Consumer Business.</li><li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firms reputation and safeguarding, its clients and assets, by driving compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct, and business practices, and escalating, managing and reporting control issues with transparency.</li><li>Applies an in-depth level of expertise in consumer banking systems and technology processes and leverages this knowledge to provide advice and work with partners to drive proactive engagement / forward-looking risk management on the highest risk priorities in an effective and efficient manner.</li></ul> Requirements: <ul><li>Experience in business, functional, and/or people management, with proven abilities in taking responsibility for executing concurrently on a portfolio of high-quality deliverables to stakeholders according to strict timetables.</li><li>Specific subject matter expertise regarding technology application control disciplines and a solid business understanding of consumer banking systems, digital channels, and products as well as technical processes relating to development and support of these types of systems.</li><li>Demonstrable knowledge of technology and consumer banking-related regulations across multiple countries in the Asia Pacific and EMEA.</li><li>Demonstrable knowledge of deploying risk assessment techniques using data analytics.</li><li>Effective negotiation skills, a proactive and no surprises approach in communicating control issues, and strength in sustaining independent views.</li><li>This individual must be an articulate and effective communicator, both orally and in writing, with an energetic, charismatic, and approachable style.</li></ul>

Role Description: <ul><li>The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team.&nbsp;</li><li>The overall objective of this role is to manage companys portfolio exposure to clients and counterparties globally.</li></ul> Responsibilities: <ul><li>Resolve issues and recommend solutions to moderate problems</li><li>Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family</li><li>Serve as an industry expert and advisor</li><li>Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds</li><li>Develop risk management framework and processes for funds</li><li>Advise businesses and clients on transaction structures and negotiate credit terms</li><li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firms reputation and safeguarding company, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul> Requirements: <ul><li>7-9 years of relevant experience</li><li>Experience in financial analysis, accounting and valuation</li><li>Consistently demonstrate clear and concise written and verbal communication</li></ul>

Job Role: <ul><li>The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team.&nbsp;</li><li>The overall objective of this role is to manage portfolio exposure to clients and counterparties globally.</li></ul> Responsibilities: <ul><li>Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management</li><li>Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques</li><li>Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing</li><li>Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required</li><li>Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives</li><li>Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management</li><li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firms reputation and safeguarding , its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul> Requirements: <ul><li>5-8 years of relevant experience</li><li>Knowledge of commercial risk analytics</li><li>Ability to apply credit and risk principles toward business goals</li><li>Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency</li><li>Proven ability to remain organized in a fast-paced environment, managing multiple projects</li><li>Proven interpersonal, organizational and analytic skills</li></ul>

Role Description: <ul><li>The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team.&nbsp;</li><li>The overall objective of this role is to manage companys portfolio exposure to clients and counterparties globally.</li></ul> Responsibilities: <ul><li>Resolve issues and recommend solutions to moderate problems.</li><li>Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family</li><li>Serve as an industry expert and advisor.</li><li>Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds.</li><li>Develop risk management framework and processes for funds.</li><li>Advise businesses and clients on transaction structures and negotiate credit terms.</li><li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firms reputation and safeguarding company, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul> Requirements: <ul><li>3-5 years of relevant experience.</li><li>Experience in financial analysis, accounting and valuation.</li><li>Consistently demonstrate clear and concise written and verbal communication.</li></ul>

Responsibilities: <ul><li>Assess the credit and financial strength of Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li><li>Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Companies Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite</li><li>Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and BCMA partners</li><li>Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios</li><li>Support ICG Risk Analysis Voice of the Employee (VOE) initiatives</li><li>Travel (less than 10%)</li></ul> Requirements: <ul><li>Demonstratable financial services experience, including 2-12 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>Knowledge of Wholesale Credit Processes and organizational awareness including IRAU functions, covered portfolios, and processes</li><li>Understanding of policies and procedures with the ability to execute change seamlessly</li><li>Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues</li><li>Thorough knowledge of companies systems</li><li>Experience in preparing presentations for seniors</li><li>Awareness and adherence to the control environment including Quality Assurance and Quality Control</li></ul>

Role Description: <ul><li>The Pooled Associate – Data Analytics will report to COE Super Sector Pod head for the sector and will work on multiple data analytics projects in collaboration with Global Super Sector Pod Head, COE Super Sector Pod Head, onshore Analysts, Mumbai Pooled and Dedicated Associates as well as Research Operations team such as Innovation Lab.&nbsp;&nbsp;</li></ul> Responsibilities: <ul><li>Translate business questions to data-driven analysis.</li><li>Participate in designing targeted solutions to identified business questions.</li><li>Load, manipulate and visualize data.</li><li>Collect, process and enrich data of different formats from multiple sources using a variety of technologies and platforms.</li><li>Analyze the data using various analytics models and tools.&nbsp;</li><li>Build models, draw insights, build and present reports, visual presentations which are tailored to different stakeholders.</li></ul> Requirements: <ul><li>Strong working knowledge of Excel and Advanced Excel including VBA.</li><li>Experience with Advanced data modelling – predictive models and machine learning algorithms, econometrics.&nbsp;</li><li>Scripting experience in Java, Python.</li><li>Strong working knowledge of SQL, ETL and data visualization/BI tools like Power BI/Tableau.</li><li>Exposure to Web scraping, Text analytics &amp; Survey analysis will be advantageous.</li></ul>

Locations: Long Island City NY and Irving TX Responsibilities: <ul><li>Assist in the structuring of credit opportunities to ensure that risk and reward are appropriately balanced in extending credit.</li><li>Review and approve credit proposals, annual reviews and criticized credit reviews.</li><li>Responsible for oversight and credit approvals (including product/credit standards as applicable) for one or more industry verticals covered by Global &amp; National Industries and Mid Corporate business segments.</li><li>Ensure that all credit extensions are in compliance with target market, collateral, documentation, legal and regulatory requirements as well as risk appetite framework.</li><li>Responsible for Risk oversight and approvals for one or more credit products, including product/credit standards, as applicable.</li><li>Promote a strong and balanced risk management culture and demonstrate rigorous credit analysis in the underwriting and portfolio management processes.</li><li>Lead execution of key projects.</li><li>Assess the implications to other Risk disciplines when approving transactions or statistical methodologies.</li><li>Lead and coordinate cross functional teams to build credit processes and undertake necessary projects.</li><li>Use available tools and portfolio management techniques to effectively identify and assess trends and risks in the portfolio.</li><li>Assess overall risk infrastructure and linkages within Clients architecture.</li><li>Anticipate client needs (internal and external) and proactively generate ideas to deliver innovative solutions and improve Client’s competitiveness. Ensure that escalated client issues are resolved with urgency.</li><li>Build partnerships across functions/regions. Create and sustain a network of strong relationships.</li><li>Monitor portfolio performance, monitor exceptions, and recommend, where appropriate, to refocus Business strategy and credit approval workflows to be more effective and efficient in turnaround and the quality of approvals.</li><li>Conduct periodic portfolio, remedial, industry and credit product reviews.</li></ul> Requirements: <ul><li>Minimum Bachelor’s degree required MBA or equivalent advanced training preferred.</li><li>Minimum 10 years’ experience in commercial lending risk management and/or related assignments with at least 3 years’ experience in the U.S.</li><li>Product or industry expertise preferred.</li><li>Superior risk assessment skills, including problem recognition, defining and structuring solutions to credit related issues.</li><li>Strong technical skills</li><li>Experience in remedial management situations.</li><li>Demonstrate integrity, independence, leadership, judgment and ability to balance risk and reward.</li><li>Conversant in risk principles, including market, operational, cross border and concentration risk.</li><li>Experienced in a wide range of products (including capital markets, derivatives, and leverage finance), industries and type of financing (acquisition, corporate).</li><li>Experience through multiple credit cycles.</li><li>Ability to deal with ambiguity on credit and business issues in reaching decisions.</li><li>Senior Credit Officer approval authority, or equivalent required.</li><li>Comprehensive knowledge of legal documentation associated with credit risk.</li><li>U.S. collateral perfection requirements.</li><li>Expertise in or the ability to quickly develop the required skill-set in identified specialized segments.</li><li>Computer literate: Word, Excel, PowerPoint, and familiarity with internal bank systems and platforms. Attention to detail with focus on maintaining data integrity.</li><li>Ability to work closely with Loan Operations, Service, Product Managers, Remedial Management, Legal, and Compliance to achieve the business’s objectives.</li><li>Ability to balance risk and reward. Willingness to support business growth.</li></ul> Education: <ul><li>Bachelors degree/University degree or equivalent experience</li><li>Masters degree preferred</li></ul>&nbsp;

Responsibilities:&nbsp; <ul><li>ICG Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of ICG Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio.&nbsp;</li><li>That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews and Stress Testing.</li><li>This role has responsibility for the portfolio of GIRM Relationships and the role reports directly to the ICG Risk Analysis (IRAU) GIRM Credit Risk Team Lead.</li><li>Assess the credit and financial strength of Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li><li>Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite</li><li>Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and BCMA partners</li><li>Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios</li><li>Support ICG Risk Analysis Voice of the Employee (VOE) initiatives</li></ul> Requirements: <ul><li>Demonstrable financial services experience, including 2-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>Knowledge of Wholesale Credit Processes and organizational awareness including IRAU functions, covered portfolios, and processes</li><li>Understanding of policies and procedures with the ability to execute change seamlessly</li><li>Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues</li><li>Thorough knowledge of systems</li><li>Experience in preparing presentations for seniors</li><li>Awareness and adherence to the control environment including Quality Assurance and Quality Control</li><li>Travel (less than 10%)</li></ul>

Responsibilities: <ul><li>Strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business.</li><li>Responsible for the financial analysis, risk assessment and credit structure recommendation for cash flow lending products.</li><li>Complete in depth analysis of financial data and other information provided by the client and/or banker in the field</li><li>Oversee deal approvals including timing of approvals and turnaround in collaboration with Independent Risk and business partners</li><li>Supplement analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor/ industry risks and trends for senior management and/or the Senior Credit Officer</li><li>Monitor an assigned credit portfolio and complete periodic reviews; maintain a thorough understanding of the content and aggregate risks within the portfolio, trends and other key statistics</li><li>Execute early warning procedures to promote preventative action where appropriate</li><li>Assist in the development of appropriate procedures around approvals, underwriting, and portfolio functions in consultation with Independent Risk and senior business leaders</li><li>Assist in the development of appropriate credit guidelines around proposed cash flow lending appetite in consultation with Independent Risk</li><li>Assists revenue growth and contains credit losses, while managing risk within credit policy.</li><li>Manage underwriting process for an increase credit request to an existing portfolio client.</li><li>Pro-actively reach out to line partners, creating a shared learning environment between remote location and front office.</li><li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firms reputation and safeguarding the group, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul> Requirements: <ul><li>10+ years credit experience required</li><li>Proven track record of successfully managing leveraged finance portfolios in the commercial lending space</li><li>Excellent communication and diplomacy skills required in order to negotiate internally, often at a senior level and occasionally with external customers</li><li>Thorough credit and analytical skills, knowledge of credit products</li><li>Effective verbal and written communication skills</li><li>Ability to train, recruit, and mentor teams of professionals; Bold in approach to approve sound credit and highly collaborative work style</li></ul>

Skills

Industry

Location

Jobtitle

103 credit analyst c11 Jobs found