Vice President Senior Credit Analyst Financial Sponsors

Business Overview:

Financial Institutions Coverage (FIC) is a global coverage group specializing in the Financial Institutions sector. FIC aims to build long-term relationships with key clients and gain insight into client strategy and targets to provide original and integrated ideas and solutions.

Within FIC, the Credit Team is responsible for completing the credit analysis for underwriting extensions of credit to financial institutions clients including due diligence, risk ratings, trade approvals and risk analysis.

In particular, the Team ensures that credit analysis and recommendations are provided in due time for Banks, Insurance firms, Sovereign, Brokers, other non-banks financial institutions, pensions funds, hedge funds, regulated funds, funds of hedge funds, private equity, agency arrangements and asset managers.

The Credit Team performs credit analysis and provide credit recommendations on their respective scope to Credit Committees, Transaction Approval Committees when the credit opinion on a specific counterparty is required, other RISK entities, Business Units or functions in response to general enquiries, Portfolio review committees.

Candidate Success Factors:

Candidates are measured on the following four performance drivers, which will dictate how individual impact is considered on the Americas platform:

• Results and Impact
• Able to influence peers and team.
• Demonstrates good judgement when making decisions of high complexity and impact.
• Exercise appropriate autonomy in the execution and delivery of work.
• Responsible for driving outcomes, which have meaningful effect on team or department.
• Leadership and Collaboration:
  
• Creates trust with colleagues.
• Acts in leadership capacity for projects, processes, or programs.
• Client, Customer and Stakeholder Focus:
  
• Able to build relationships with a mix of colleagues and clients.
• Interacts regularly with management and department leaders.
• Demonstrates the ability to influence stakeholders at the team level.
• Compliance Culture and Conduct:
  
• Takes full responsibility for personal actions and demonstrates courage in facing problems and conflicts.
• Perceived as a person of high moral character; upholds corporate values and displays high ethical standards.

Responsibilities:

• Develop an in-depth understanding of the counterparties/groups under his/her responsibility and develop market intelligence by investigating all available sources of credit and financial information.
• Monitor permanently the portfolio under his/her responsibility, developing market knowledge, anticipating risk to detect any credit issue requiring a specific review.
• Conduct Annual and interim reviews.
• Produce within the deadlines and present in Credit Committee a factual summary of client's credit worthiness (credit proposal) compliant with the Bank's guidelines.
• The credit proposal includes a detailed & well supported recommendation on the ratings, the limits, the legal credit terms and the risk taken vis-a-vis the client.
• Perform credit analysis and provide recommendations for delegation holders (Credit Officers, Senior Credit Officers) on the counterparties/groups.
• Is mainly in charge of flow transaction reviews as well as more complex transaction analysis
• Develop a good knowledge of the banking environment:
  capital market products, legal documentations, accounting and regulatory environments.
• Lead due diligence calls in collaboration with Bankers, Credit officers and SCOs
• Contribute to portfolio reviews when required
• Keep abreast of the changing methodologies and credit policies
• Lead analysis of complex credit files
• Contribute to the urgent/important or atypical/complex requests that will require a senior review/follow-up at all levels of Business and within RISK
• Share knowledge, best practices and review the credit risk analysis of other team members before submission to the delegation holder when required
• Act as mentor for more junior analysts.

• Interacts in full transparency with the Delegation holder (SCO & FIC Relationship Manager).
• Attend when necessary discussions under the leadership of the Delegation holder.
• Prepare credit proposals in the light of FIC commercial strategy, coverage memo, and of any material information (transaction or risks) provided by the RM Pilot or the Delegation holder.
• Contribute together with the Delegation holder to the identification of the credit points that need to be discussed with the client (during Due Diligence for example).
• Discuss the requests of Credit limits with the Business Lines
• Work with Coverage of Financial Institutions and Business Lines to mitigate risk related to the counterparties
• Initiate due diligence meetings and credit reviews
• Co-ordinate with Legal Department and credit officers to execute legal documentation by providing credit-sensitive terms in legal documentation and collateral arrangements with financial institution clients. Legal documentation includes ISDA/CSA, GMRA, loan agreements, etc.
• Interacts with nearshore Credit platforms for reviews of files, methodological support, training, new joiners welcome programs
• Guarantee objective, qualitative and concise credit risk analysis and recommendation (Annual review, ad hoc, credit notes, comparative analysis) on the portfolio for which they are responsible
• Guarantee the application of Bank's procedures and policies and the consistency of Bank's ratings

Manage

• Manage the annual review process and Ad Hoc requests according to their complexity, strategic importance and level of risk and meeting annual review deadlines.
• Manage the appropriate risk monitoring, jointly with CRC when applicable

Contribute

• Contribute to the risk strategy definition by providing recommendation on the risk profile of the counterparty and on specific transactions in relationship with the appropriate stakeholders
• Contribute to the Bank's reactivity vis-vis clients' expectations by prioritizing urgent requests under his/her responsibility with his/her manager
• Contribute to the exposure and risk monitoring o/w reports on exposure and excesses.
• Contribute to transversal projects, crisis management and excess management
• Contribute to the quality of process:
  use adequately the credit process' flow and workflow system, maintain critical client data, interact efficiently ahead of credit committee with the various stakeholders of the credit process,
• Contribute to the development/update/filling in of policies, reports and risk tools, to the Credit Process optimization and to the identification of best practices
• Contribute to & attend the Watch List and Doubtful committees on owned portfolio

Minimum Required Qualifications:

• BS/BA required (with finance or economic background preferred).
• 8+ years previous exp.