Summary
This position requires an individual with a strong credit analysis background covering corporate borrowers across various industry segments (experience covering Telecommunications, Technology, and/or Sponsor/LBO finance transactions a plus).
The candidate will assist the Team in completing the annual review plan by conducting independent credit reviews to ensure compliance with Bank policies and procedures as well as adherence with regulatory guidelines thereby minimizing losses. The ideal candidate will possess the ability to communicate credit risk management weaknesses identified to Credit Review senior management and the line of business; as well as effectively challenge internal and regulatory risk ratings where appropriate.
Responsibilities
- In performing individual credit reviews, use expertise to evaluate the adequacy of facility underwriting and documentation, including, but not limited to, collateral, repayment sources, risk appetite, leverage, enterprise valuations, discounted cash flow analysis
- Assess the sufficiency of credit risk monitoring programs, relevant performance covenants and monitoring guidelines and trigger events
- Ensure all credit extensions are made in compliance within lending policies and procedures and regulatory guidelines
- Use knowledge of industry best practices, regulatory requirements and professional experience to identify deficiencies and/or areas of improvement in credit risk management processes, procedures and policies
- Maintain regular contact with front office, credit, audit and compliance colleagues, and utilize third-party resources and professional networks, to provide as accurately and timely an assessment as possible
