Credit Associate (bilingual preferred)

BizTek People; New York (NY); Hybrid; USD 76,000 - 120,000; Full time

Job summary

A leading international financial institution seeks an Associate Level Credit Analyst located in New York to provide analytical support for its Japanese and Asian Corporate Banking Department. This role involves credit analysis, financial reporting, and collaborating with Relationship Managers. Candidates should have strong analytical skills and be proficient in MS Office applications. A bachelor's degree in Finance or a related field is preferred, along with relevant experience in corporate banking.

Benefits

Competitive portfolio of benefits

Annual discretionary bonus based on performance

Qualifications

• Formal credit training at financial institutions preferred.
• Minimum 3-4 years of experience in a corporate bank or financial institution.
• Japanese language skills (business level) preferred but not required.

Responsibilities

• Conduct credit analysis and research on borrower performance.
• Prepare and structure credit applications and client materials.
• Assist in conducting quarterly and annual loan portfolio reviews.

Skills

Financial statement analysis

Research and analytics

Cash flow analysis

Risk capital calculations

Client materials preparation

Education

Bachelor’s degree in Finance, Business, or Accounting

Tools

MS Excel

MS Word

MS PowerPoint

Job description

International financial institution seeks an Associate Level Credit Analyst to provide analytical and administrative support to the members of the Japanese and Asian Corporate Banking Department. The position will support Relationship Managers by preparing credit applications, reviewing quarterly financial reports, conducting regular credit reviews of loans in the portfolio, providing research and analytics, assisting RMs in preparing client materials, and other administrative tasks as required.

The anticipated salary range for this role is between $76,000 and $120,000, based on your qualifications, especially your knowledge of financial statement analysis. An annual discretionary bonus is available based on your and your team’s performance.

Responsibilities

• Conduct analysis and research on the performance of borrowers to assess historical performance and future projections, such as cash flow analysis and risk capital calculations.
• Gather support documentation to structure deals, liaise with middle and back office for KYC purposes, and assist in drafting pre-screen memos for the Credit Department.
• Conduct quarterly and annual reviews of the loan portfolio and handle various system and procedural issues related to borrowers, such as internal grading, monthly/quarterly reporting, and other ad hoc projects.
• Assist with amendments, dividend transactions, loan closings, funding, and other credit events that may impact the borrower.
• Support in preparing client materials, including presentations, proposals, RFPs, and term sheets.
• Undertake research and analytics related to specific sectors, regions, or loans, and stay updated on current market conditions.
• Provide ad hoc reports for management.

Requirements

• Formal credit training at financial institutions preferred.
• Minimum 3-4 years of experience working at a corporate bank or other financial institution.
• Some knowledge of banking and prior internships at a bank or financial institution preferred.
• Highly proficient in MS Excel, Word, and PowerPoint.
• Bachelor’s degree in Finance, Business, or Accounting preferred or equivalent education and training.
• Japanese language skills (business level) preferred but not required.
• Remote work environment available from other states within the US for qualified candidates.

Benefits

A competitive portfolio of benefits.