As the Credit Risk Vice President within the Diversified Industries team, you will lead the credit origination and portfolio management of non-investment grade / leveraged companies. You will lead the structuring of new lending activities, analyze and approve other credit requests, facilitate regulatory monitoring, and perform on-going portfolio monitoring. In each capacity, the Credit team works in partnership with Investment Banking Coverage, Global Corporate Banking, Debt Capital Markets, and many other product partners to meet the needs of clients.
You will develop a broad and deep understanding of the business, financial, competitive, and industry risks faced by clients in the assigned portfolio. You will report to a senior Credit Executive and will be supported in day-to-day work by a dedicated team of Analysts and Associates. You will also play an important role in mentoring and developing junior talent to enhance the performance of the broader team.
Job Responsibilities
Identify the key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio, and develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, industry and other factors
Lead and/or participate in client due diligence by way of attending client, bank, and other meetings to develop a better understanding of client companies, management teams, and industry sectors, and using financial models to incorporate the impact of forward-looking risk assessment on key value drivers, ultimately developing and recommending appropriate credit structures relative to risk assessment
Apply corporate finance and accounting expertise to develop appropriate financing structures, and prepare and review credit approval materials, ensuring all credit risk policies are followed
Review and negotiate legal documentation to ensure terms are appropriate and consistent with credit approval
Ensure risk ratings are accurate and reflect a current forward-looking view of the client, while providing early identification and proactive management of deteriorating credits and other problem situations
Prepare and present quarterly financial snapshot of the Diversified Industries portfolio, as well as annual portfolio review materials to senior management
Assist in training and developing analysts, and work closely with analysts and our middle office and data teams to ensure accuracy of credit system data
Required Qualifications, Skills and Capabilities
BA/BS degree is required
Minimum 5 years of commercial/investment banking lending experience including extensive credit, structuring, and marketing.
Possesses a solid understanding of financial products, corporate finance, financial modeling and market dynamics
Advanced knowledge of financial statements and accounting
Experience with documentation related to credit agreements
Knowledge/experience of derivative products and documentation (including ISDA and CSA)
Preferred Qualifications, Skills and Capabilities
MBA is a plus
Excellent communication skills, both verbal and written
Ability to effectively present analysis and interact with key stakeholders
Capability to perform due diligence and negotiation with clients
Ability to perform well under pressure in a demanding environment managing multiple tasks at the same time.
