Corporate Investment Banking Risk Associate - Diversified Industries

About the role

As a Credit Risk Associate in the Diversified Industries team, you will lead the structuring and underwriting of new lending activities, analyze and approve other credit requests, facilitate regulatory monitoring, and perform ongoing portfolio monitoring for non-investment grade / leveraged companies. You will work in partnership with Investment Banking Coverage, Global Corporate Banking, Debt Capital Markets, and other product partners to meet client needs. The role involves developing a deep understanding of the business, financial, competitive, and industry risks faced by clients in the assigned portfolio, and mentoring junior team members to enhance broader team performance.

Responsibilities

• Identify key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio, and develop a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, industry factors, and other risks.
• Lead and/or participate in client due diligence by attending client, bank, and other meetings to better understand client companies, management teams, and industry sectors, using financial models to incorporate the impact of forward-looking risk assessments on key value drivers and recommending appropriate credit structures.
• Apply corporate finance and accounting expertise to develop appropriate financing structures, prepare and review credit approval materials, and ensure all credit risk policies are followed.
• Review and negotiate legal documentation to ensure terms are appropriate and consistent with credit approvals.
• Ensure risk ratings accurately 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 snapshots of the Diversified Industries portfolio, as well as annual portfolio review materials to senior management.
• Assist in training and developing analysts, and collaborate with analysts and middle office and data teams to ensure accuracy of credit system data.

Requirements

• Bachelor's degree.
• 2+ years of commercial/investment banking lending experience including extensive credit, structuring, and marketing.
• 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 or experience of derivative products and documentation (including ISDA and CSA).

Preferred Qualifications

• 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 simultaneously.