Summary
This position requires an individual who is open minded to new skills, new securitization markets & new structures, and can serve as a liaison between the various stakeholders within the branches, agencies and other credit departments.
This candidate must possess in-depth knowledge of the structure and information on key players within the securitization and structured finance markets. The ideal candidate must have their finger on the pulse of market trends in order to make accurate recommendations to senior management approval or denial of credit requests.
Responsibilities
- Reviews/assesses credit applications
- Provide effective analysis of credit including, financial structure, risk return, collateral risk profile, and identification of key transaction risks
- Creates various types of projection/recovery/other financial models
- Prepares accurate, clear, well-organized and complete written summary/analysis (Credit Opinion) with recommendations for approval or decline
- Presents credit approval recommendations to senior management
- Thoroughly analyzes and recommends appropriate 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
- Proactively monitors and assesses assigned borrowers/industries 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
