Credit Analyst
Montréal (Agglomération de Montréal) Marketing
Job description
Responsibilities
Responsibilities:
·
Preparing high quality credit applications and annual reviews of corporate counterparties to assess their credit quality, recommending appropriate credit limits, terms and conditions. This includes financial statements analysis (P&L, BS, and CF), a review of the client's strategy, its business risk, industry dynamics, competitive environment;
·
Preparing financial projections and determining debt repayment capability as well as assuring compliance with SGUS Credit Policies;
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Proposing and updating Obligor Risk Ratings;
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Monitoring compliance with covenants;
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Reviewing all relevant legal documentation (i.e. credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SGUS policies;
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Liaising with other CCG teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department;
Profile Required
COMPETENCIES
·
Strong financial analytical skills;
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Ability to assess credit terms and conditions including financial covenants, security and collateral;
·
Strong understanding of commercial and investment banking products;
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Ability to work in a team including interacting with teams located in other locations (US, India, Europe);
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Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.);
·
Strong understanding the accounting, legal and regulatory issues governing relevant sectors;
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Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed results
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Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data.
TECHNICAL SKILLS
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Strong understanding of finance and accounting principles;
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Experience preparing financial projections under various scenarios;
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Proficiency using Word for written analysis and Excel for spreadsheet analysis
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Knowledge of capital markets/traded products and committed financing facilities.
PRIOR WORK EXPERIENCE
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8-10 years as credit analyst in a corporate and investment banking entity or related field;
·
Bachelor's degree from accredited university
LANGUAGES
Required:
·
Fluency in English
Optional:
·
Fluency in French or Spanish
Business Insight
Within the Client and Credit Group (“CCG”), the Credit Analyst will work under the supervision of a Director - Senior Credit Analyst and will be part of a team responsible for managing a portfolio comprised of large US corporates as well as subsidiaries of non-US groups in diverse industries. The Credit Analyst will be responsible for preparing comprehensive credit analyses, reviewing legal documentation, and on-going portfolio monitoring under the supervision of the Senior Credit Analyst.
All our positions are open to people with disabilities
Job code: 19000FJS
Business unit: SG CIB
Starting date: Immediate
Date of publication: 10/10/2019