Job Description
Responsibilities:
- Manage a portfolio as a credit officer.
- Perform due diligence and regular portfolio reviews.
- Analyze credit risk, determine accurate ratings, and recommend them to management.
- Prepare detailed credit analysis and applications based on policies and procedures.
- Evaluate borrower's industry, business, legal, and financial risks.
- Recommend credit extensions to management.
- Collaborate with business lines to maintain portfolio safety and growth.
- Share important account information with relevant teams across the bank.
- Communicate directly with assigned customers.
Deal Support:
- Identify and assess prospective transactions with business lines and product groups.
- Spot structural risks and suggest improvements to deal structures and covenants.
- Advise account officers on credit risk terms to maximize profit and minimize credit cost.
- Communicate directly with the credit division, providing necessary information for decisions.
Policy Compliance & Mentoring:
- Ensure compliance with regulatory, policy, and procedural requirements.
- Participate in policy meetings to improve the credit risk framework.
- Support, mentor, and train junior analysts.
- Guide junior analysts on complex assignments and skill development.
Basic Qualifications:
- 6+ years of experience in credit or risk functions at financial institutions or similar.
- At least 3 years of experience analyzing financial institutions and conducting due diligence.
- Experience working with senior management of client organizations.
- Strong corporate credit analysis and risk management knowledge.
- Ability to create complex financial models for repayment assessment.
- In-depth knowledge of loan documentation and structural risks in corporate finance.
- Understanding of regulatory environments in Japan (FSA, BOJ) and the U.S. (FRB, FDIC).
Numbers & Facts
| Location | Jersey City, NJ |
| Salary | $142,000–$180,000 Per Year |
Skills
Corporate Financeunmatched
Credit Analysisunmatched
Credit Riskunmatched
Due Diligenceunmatched
Federal Deposit Insurance Corp (FDIC)unmatched
Financial Analysisunmatched
Financial Modelingunmatched
Financial Riskunmatched
Flexible Spending Accountsunmatched
Legalunmatched
Loan Documentsunmatched
Loan Structuringunmatched
Maintain Complianceunmatched
Mentoringunmatched
Organizational Development/Managementunmatched
Regulationsunmatched
Regulatory Complianceunmatched
Risk Analysisunmatched
Risk Managementunmatched
Sales Prospectingunmatched
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