GCIB GMC -CREDIT ANALYST II/CREDIT UNDERWRITER I

About the Role

This role is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. The position focuses on U.S./CAN Banks and Brokers clients within GCIB, with a product emphasis on traded products, syndicated and bilateral revolving credit, Treasury/Cash Management, and Leases. The role involves managing an active portfolio with tight turnaround times and supporting key internal stakeholders to achieve successful transaction execution.

Responsibilities

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
• Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, recommending changes as warranted
• Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, adhering to relevant policies and procedures
• Evaluates transaction and relationship risk-adjusted profitability to facilitate capital allocation
• Builds projection models for clients based on historical performance, industry forecasts, and due diligence findings
• Trains, coaches, and mentors credit analysts, collaborating with team members
• Provides credit coverage for Banks, Broker Dealers, and Exchange Companies clients
• Manages the end-to-end credit approval process, ensuring quality of work and timeline management of deliverables

Requirements

• 3 years of commercial and/or corporate banking credit experience, including financial analysis
• Experience in underwriting, credit risk analysis, negotiation, and closing transactions while adhering to policies and procedures
• Commercial credit analysis, financial modeling, traded products, and underwriting experience
• Proficiency in Excel, Microsoft Word, and PowerPoint

Qualifications

• Bachelor’s degree in finance, accounting, or a related field (desired)
• Formal credit training or related certifications (desired)
• Strong foundation in finance and accounting, with experience building three-statement and/or cash flow financial models (desired)

Skills

• Analytical Thinking
• Financial Analysis
• Financial Forecasting and Modeling
• Profitability Analysis
• Research Analysis
• Attention to Detail
• Business Acumen
• Credit and Risk Assessment
• Underwriting
• Written Communications
• Collaboration
• Critical Thinking
• Portfolio Analysis
• Prioritization
• Technical Documentation

Shift: 1st shift (United States of America) | Hours Per Week: 40