Risk Management - Commercial & Investment Bank Credit Risk (Consumer & Retail)

As an Analyst, you will utilize your superior analytical skills, combined with credit and industry knowledge, to make and support credit decisions for a portfolio of clients. You will collaborate across credit risk and the business teams to meet client credit requests, while balancing the risk-return needs of the Firm. You will constantly monitor your portfolio to accurately assign risk ratings to clients and facilities, while ensuring a robust culture of compliance is adhered to at all times. Job Responsibilities Conduct credit analysis and helps a deal team seek approval for lending and trading related transactions, including operating exposures, individually or as part of a deal team Create written credit approval documents, which include the spreading and presentation of historical financial statement information and the related financial analysis, as well as projections of future cash flows for large corporate borrowers Develop a well-informed and forward-looking view of the business, financial and competitive risks associated with a company and sector Manage and monitor a portfolio of client credit exposures, across industry classes, on an ongoing basis Take ownership of client credit needs and projects and independently develops a credit opinion Review and assign risk ratings and maintains updated credit research on their portfolio of clients Participate in credit due diligence process for clients, including for capital markets transactions Required Qualifications, Capabilities and Skills Bachelor's degree with academic training in the principals of accounting, corporate finance capital markets products, and macro economics Strong analytical/financial modeling ability and excellent accounting and corporate finance expertise Strong verbal and written communication skills with an interest in client interaction An exceptional work ethic and highly motivated with a natural passion to learn and an inquisitive personality Ability to work well under pressure on teams in a demanding environment Capable of understanding, describing, and debating complex concepts Proficiency in Microsoft Office Suite, especially Excel, PowerPoint, and Word Preferred Qualifications, Capabilities and Skills Some credit/underwriting credentials, analytical skills, and experience is a plus, and Consumer/Retail experience in particular for this opportunity.