Credit Officer

2 months ago

New York, United Kingdom Page Executive Full time

  • Competitive Package
  • Based in New York

    About Our Client

    Banking institution that offers services to private and entrepreneurial customers as well as corporate clients

    Job Description

  • Based on commitments of mainly average/high riskiness, difficulty and/or complexity, the following duties, among others, are part of the CO-S's job specification:
To improve the risk result and the risk quality of the credit portfolio within his/her responsibilityTo balance risk and return focusTimely accurate and independent analysis of the financial and economic circumstances of single borrowers and borrowing entities (spreading of annual financial statements) as well as assigned industries and decision-making taking into account the most relevant segmentation criteria applicable to each case on handValuation of collateral and its documentationTo fix the Rating in a consistent and risk-sensitive manner in compliance with the applicable guidelines and to overrule Ratings, if necessaryTo provide advice and support to the Market unit in the internal exposure discussionTo get actively involved in meetings with the customer occasionally, to hold regular contact by telephone in the case of risk-critical and/or complex credit structures and/or ensure direct access to all relevant electronic deal systems (e.g. intralinks)To check the contract documentation (especially credit and collateral agreements) and to ensure that the decision is implemented, in particular with respect to any restrictive provisions, covenants and/or collateralsIdentification and early detection of risks, perception of risk signals with proactive approach, maintaining name and accurate data in the Early Warning Tool (EWT and/or Credit Watchlist)Risk classification (situational) in cooperation with other COs to ensure a consistent, comprehensible credit policyTo take into account portfolio targetsTo monitor and define deteriorations in creditworthiness and to pass on such commitments to the Intensive Treatment units in line with the applicable guideline (right/duty to tender)Duty to inform Group Head or Head of Department of process disruptions, problematic cases, relevant decisions in individual casesTo comply with the Service Level Agreements in terms of quantity and qualityTo ensure data quality (e.g. Rating, Exposure Grids, Collateral, CRR etc.), especially with respect to regulatory requirements (Basel II, KWG)To promote the transfer of know-how and experience as well as team spiritTo assist the Head of Department or Group Head in performing risk-management tasks in their area (e.g. portfolio analyses)To act as an instructor or speaker in internal qualification measures and to junior staff in trainingTo verify and act on daily and weekly overdraft reports, reporting violationsTo maintain follow-up on conditions/preconditions and their respective fulfillmentResponsible for special projects, such as preparing for auditMiscellaneous responsibilities as required

The Successful Applicant

Several years of experience in the analysis and decision of credit exposures in corporate lending operations with in-depth credit know-how, ideally supplemented by special preparatory trainingSolid finance and accounting backgroundComprehensive financial modeling/projections and sensitivity requirementsMinimum BA/BS in a business-related discipline; MBA/CFA a plusComprehensive knowledge of legal and tax matters relating to the credit businessComprehensive general and business management knowledge as well as knowledge of industry analysesComprehensive knowledge of the wide range of finance productsExcellent verbal and written communication skills

What's on Offer

Competitive Package

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