Credit Analyst

About This Role

This Credit Analyst position focuses on evaluating and monitoring the creditworthiness of corporations within the investment grade spectrum. The role involves assessing financial data, company filings, industry trends, and market conditions to make informed recommendations on credit risks and opportunities. The analyst will also present credit opinions and internal rating recommendations to the Rating Committee, identify developing credit concerns, and suggest potential additions to the Approved List.

Responsibilities

• Conduct fundamental credit research of investment grade corporate credits, primarily financial institutions (banks)
• Perform ongoing surveillance and monitoring of assigned credits, which may include Asset Backed Commercial Paper (ABCP) and Asset Backed Securities (ABS)
• Provide timely credit research and financial analysis in response to trading and portfolio management proposals for investments in new-issue and secondary investment opportunities
• Ensure consistency of the credit research process, while seeking ongoing enhancements and efficiencies to meet the needs of all stakeholders
• Conduct exposure analysis and credit risk measurement
• Manage a significant amount of data and support database design and management for credit research, ratio and trend analyses, and management reporting
• Work on ad hoc credit risk projects as required

Requirements

• 3 to 5 years

experience in credit analysis within the investment, banking, or insurance industries

• Bachelor

degree in Economics, Accounting, Finance or related field

• Keen eye for detail, a deep understanding of financial markets, and the ability to interpret complex data to make informed credit decisions
• Excellent qualitative and quantitative financial analysis skills
• Critical thinker
• Ability to leverage tools such as Excel, Bloomberg, to drive efficient credit monitoring
• Experience with risk management principles and techniques such as VaR and Stress Testing
• Proven database skills
• Outstanding people skills with the ability to convey credit opinions and concerns effectively and efficiently
• A strong individual contributor with the ability to work independently with minimal supervision, but also be able to work and collaborate as part of a team
• Strong work ethic with the ability to prioritize and manage multiple responsibilities
• Work proactively with portfolio managers and other key stakeholders
• Strong interpersonal, oral, and written communication and collaboration skills with all levels of management
• Strong organizational skills including the ability to adapt to shifting priorities and meet frequent deadlines