Credit Analyst

Gibel & Associates Inc.; New York (NY); On-site; USD 120,000 - 160,000; Full time

Benefits offered by this job

Pension Plan

Job summary

Gibel & Associates Inc. in New York, NY seeks an AVP-Senior Credit Analyst to oversee a Corporate Banking credit portfolio, coordinate with Account Officers, and mentor a Credit Analyst team.

You will prepare and review credit analyses and applications, monitor risk, and support the credit approval process. The role requires strong leadership, advanced financial analysis, and experience with KYC/EDD, debt capacity scenarios, and internal metrics.

Qualifications

• Minimum of 6 years of credit analysis and portfolio management experience.
• Bachelor's degree in Finance, Accounting, or Business; MBA preferred.
• Strong knowledge of accounting rules and regulations.
• Strong leadership skills to supervise, mentor, train, and direct a Credit Analyst team.

Responsibilities

• Manage an assigned portfolio in coordination with Account Officers and prepare credit memos and requests for Credit Committees.
• Perform financial analysis using financial statements, historical performance, and diverse risk factors.
• Develop financial projections, assess credit risks, and compute internal credit metrics (e.g., ratings, RAROC).
• Continuously monitor the portfolio and escalate potential credit deterioration and non-compliance as needed.
• Coordinate and oversee credit applications through the approval process with Account Officers and internal parties.
• Supervise and mentor the Credit Analyst team, reviewing work, tracking deadlines, and training as necessary.
• Coordinate exposure and credit-risk monitoring and ensure accurate reporting across the bank network.
• Interface with Agent Banks and analysts for market information and client discussions.

Skills

Credit analysis

Portfolio management

Leadership

Communication skills

Financial modeling

Education

Bachelor's degree in Finance/Accounting/Business

MBA preferred

Tools

Microsoft Excel

VBA

KYC systems

Job description

Leading Global European Banking group active in a broad range of financial products including banking, capital markets, asset management, insurance, and private equity seeks a “ AVP- Senior Credit Analyst” to manage an assigned Corporate Banking credit portfolio in coordination with Account Officers and for supervising, managing, and mentoring the Credit Analyst team. The position is responsible for preparing and reviewing credit analyses and applications, monitoring portfolio credit quality and risk, supporting the credit approval process, and ensuring accurate and timely reporting and effective communication with internal departments, Head Office, and other branches. The Senior Credit Analyst will review the work of Credit Analysts, monitor schedules and deadlines, ensure established processes and procedures are followed, and help develop a value-added and self-reliant Credit Analyst team.

Key Responsibilities

• Manage an assigned portfolio in coordination with Account Officers and prepare accurate, relevant, and timely credit memos and requests, including renewals/internal reviews, amendments, and new transactions, for presentation to Credit Committees.
• Perform financial analysis using quantitative and qualitative factors, including financial statements and operating results, historical performance, financial condition, counterparty positioning, industry and market trends, ESG considerations, and debt repayment capacity under various scenarios.
• Develop financial projections, identify and assess credit risks, recommend risk-mitigation strategies, and calculate internal credit metrics, including credit ratings and RAROC.
• Continuously monitor the Corporate Banking portfolio, including financial information, covenants, exposures, watchlists, compliance requirements, industry trends, and other developments, and promptly identify and **escalate** potential credit deterioration, non-compliance, and other risk issues.
• Coordinate and oversee credit applications throughout the approval process, working closely with Account Officers and relevant internal parties to ensure an efficient flow of information and timely completion of the approval process.
• Supervise, manage, and mentor the Credit Analyst team; review analysts' work and reports; track schedules and deadlines; ensure adherence to established processes and procedures; and provide training and assistance as necessary.
• Coordinate and review exposure and credit-risk monitoring, financial information, covenants, watchlists, and compliance reporting to ensure accuracy and relevance before distribution locally or to Head Office, and facilitate effective communication with Head Office, other branches, and departments across the bank's network.
• Interface with Agent Banks and other analysts in the market to obtain credit and market information relevant to prospective and existing portfolio companies, and participate with Account Officers on selected customer calls, bank meetings, and industry events or conferences as needed.
• Review legal documentation and prepare internal legal checklists and Terms & Conditions for new and refinancing transactions; work with Account Officers on bilateral transaction documentation; and coordinate KYC and account-opening requirements with Credit Analysts and assistants.
• Identify opportunities to improve and automate processes and reporting, manage ad-hoc projects assigned to the Credit Analyst team, and ensure adherence to departmental policies and procedures.

Qualifications

• Minimum of 6 years of credit analysis and portfolio management experience, preferably acquired in an international bank or money center bank environment.
• Minimum Bachelor's degree in Finance, Accounting, or Business; MBA preferred.
• Strong knowledge of accounting rules and regulations.
• Strong leadership skills with the ability to effectively supervise, mentor, train, and provide direction to a Credit Analyst team.
• Ability to think and work independently while collaborating effectively with individuals at various levels of seniority, with strong interpersonal, oral, and written communication skills.
• Strong attention to detail and organizational skills, with the ability to work accurately with financial and numerical information while managing multiple priorities, deadlines, and time-sensitive responsibilities.
• High proficiency in Microsoft Word and Excel, including advanced formulas and an understanding of VBA.
• Experience reviewing KYC documentation, due diligence and Enhanced Due Diligence (EDD), Corporate Banking Risk Assessments, and transaction activity as part of the Customer Profile.

Excellent Salary, Bonus, and Benefits including a Pension Plan

Our client, a well-managed global Banking and Finance institution, has a history of rewarding employees with growth, opportunity, and stability. EOE.