Global Transaction Banking (GTB) First Line Credit Management - VP

Global Transaction Banking (GTB) First Line Credit Management - VP

Country: United States of America

Essential Functions/Responsibilities:

• Manage transactions from start to finish including borrower ratings, transaction analysis, financial modelling, and presentation to credit committee
• Portfolio management of an assigned portfolio of large corporate clients including, covenant monitoring, early action memo on critical events, and periodic borrower reviews
• Develop a deep understanding of the assigned portfolio through close following of company developments, press releases and news reports
• Identify risk and mitigants and articulate them through written word and through incorporating them into the financial model
• Oversees internal approval process including ensuring accurate and timely completion of credit applications, borrower rating applications, annual and quarterly reviews
• Reviews relevant deal documents / information provided by Company / Sponsor, and third-party research reports
• Review credit documentation and synthesize into key terms and conditions, including syndicated and bilateral credit agreements, trade agreements, security agreements and ISDA/CSAs
• Develop credit recommendations which include clear views of credit structures and borrower’s risks
• Provides support to the broader Credit Team on continuous improvement initiatives and that support loan growth and efficiency objectives

Qualifications:

• Bachelor's Degree or equivalent work experience - Finance, Accounting, Management, Economics, or equivalent field (Completion of a Formal Credit Training Program, MBA or CFA Charter is a Plus)
• 5+ years of experience with underwriting loan transactions and portfolio management. Trade Finance knowledge is a plus (Payables/ Receivables/ ECA/ Doc Trade)
• Strong financial modeling and analytical skills
• Experience in working with sub-investment grade clients and/or Portfolio Companies of Financial Sponsors is a plus
• Experienced in corporate valuation including Discounted Cash Flows analysis
• Good verbal and written communication skills
• Ability to work in a fast-paced environment with little supervision and simultaneously manage multiple projects
• Ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions
• Proficient in Microsoft Office, including Word, Excel, and PowerPoint
• Significant financial knowledge (Working capital cycle, cash flow forecasting, financial statement analysis, modelling etc.) 

Skills and Abilities:

• Superior client relationship, marketing presentation and sales/closing skills
• SME in commercial banking products and trade finance services (both credit and non-credit), competitor product lines and commercial compliance regulations
• Advanced knowledge of financial analysis, risk evaluation, loan documentation
• Demonstrated ability to work independently and leverage professional relationships internally and externally
• Strong computer skills to include Microsoft Office (Word, PowerPoint and Excel) and ability to quickly learn new software and or systems
• Excellent business development and presentation skills
• Ability to maintain and demonstrate high ethical standards and personal integrity to build credibility and trust while enhancing the organization’s reputation
• Ability to translate customer needs into marketable product features
• Self-starter: forward thinking,