Credit Authorizer Job Description Sample
Job Description: Position OverviewInterprets contracts and coverage for all inquiries from customers, technicians, and contractors.
Negotiates pricing with contractors when applicable. Informs customers of non-covered claims when applicable. Provides any necessary follow-up.
Communicates effectively, utilizing all departments and resources. Answers all authorization customer inquires regarding HVAC systems as well as other system and appliance customer inquiries.Job Responsibilities1. Responsible for authorizing diagnosis and repair/replacement of covered systems or appliances.2.
Negotiates pricing with contractors. Informs customers of non-covered claims when applicable.3. Provides any necessary follow-up.4.
Provides technical resource knowledge for colleagues.5. Handles HVAC authorization customer inquiries as well as other system and appliance customer inquiries.Job Requirements1. High school diploma or general education degree (GED) required; and/or 1-3 years of customer service experience and/or training required, or an equivalent combination of education and experience2.
Knowledge of contract coverage, including systems and appliances3. Knowledge of business unit policies and procedures4. Customer service and conflict resolution5.
Computer skills (Microsoft Word, Excel, Outlook)6. Attention to detail7. Ability to multi-task8. Ability to adapt to a fast-paced environment
Physical Demands and Working ConditionsThe physical demands are representative of those that must be met by an employee to perform the essential function to this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Incumbent must be prepared to:* Move up to 10 pounds occasionally, by lifting, carrying, pushing, pulling, or otherwise repositioning objects.
Sitting for long periods of time while using office equipment such as computers, phones and etc.
Fingering and Repetitive motions; such as movement of wrists, hands and fingers while picking, pinching and typing during your normal working environment.
Express or exchange ideas with others through the use of spoken word, quickly, accurately, and at an easily audible volume, and receive detailed information through oral communication at usual speaking levels without correction, and/or make fine discriminations in the nature of sounds in the environment.Incumbent is required to have:* Close visual acuity to perform detail oriented activities at distances close to the eyes, as well as visual acuity to perform activities at or within arm's reach with skill, control, and accuracy, such as preparing and analyzing data, viewing computer screen and expansive reading.Incumbent will be subject to:* Inside working conditions: The change of building environment such as with or without air conditioning and heating.erviceMaster is committed to Diversity and Inclusion.
We encourage diverse candidates to apply to this position. An Equal Opportunity/Affirmative Action Employer - of Minorities/Females/Veterans/ Individuals with Disability/Sexual Orientation/Gender Identity.DisclaimerThe above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individual with Disabilities
Credit Risk Analyst Ii/Sr Credit Risk Analyst - Credit Risk Management
The Federal Reserve Bank of Cleveland is part of the nation's central bank. We have provided many opportunities for professional growth during our history.
For eighteen years in a row, we have been named "One of Northeast Ohio's Best Places to Work" by North Coast 99. This prestigious award honors organizations with outstanding employment practices, including compensation, benefits, training, recruitment, retention, community services, and employee communications. At our state-of-the-art Cleveland office we are seeking innovative thinkers with vision to build the framework that will carry the Bank into the future.
Join our team! Credit Risk Analyst II/Senior Credit Risk AnalystCredit Risk Management Evaluate the acceptability of investment securities pledged to the Federal Reserve for Discount Window, Payment System Risk and Treasury collateral programs. Analyze loan and investment securities collateral data on a macro- and micro- basis for both the District and System to identify emerging trends. Prepare briefings, presentations, and other communications for key decision-makers regarding matters impacting the Discount Window.
Participate on and/or lead System work groups to explore Discount Window and collateral programs, practices, policies, and issues. Research and respond to complex depository institution inquiries regarding Federal Reserve lending programs, eligibility, and collateral programs. Candidates must have a strong understanding of liquidity/funding analysis, financial analysis, investment security/loan portfolio analysis, trend analysis and MIS reporting abilities.
Strong communication skills required when working with Federal Reserve management and personnel, fourth District depository institutions and supervisory agencies. Specialized, technical skills with advanced knowledge of business related software applications, including Excel, Access and other database and analytical tools. Ability to perform in-depth, independent research.
Ensures the daily operations of core functions are conducted consistently with established policy, procedure, and prudential risk and control requirements. Job Specifications:
Bachelor's degree * 4-7 years of related work experience (Credit Risk Analyst II); 7 years or more of related work experience (Senior Credit Risk Analyst)
Proficiency with complex business machines (computers, etc.)
Ability to perform involved, independent research and creative work
Knowledge of moderately complex procedures and practices of a specific function
Knowledge of procedures and services of related areas (such as accounting or purchasing)
Ability to perform routine tasks
Specialized, technical skills Complexity of Challenges: Requires following generally defined procedures.
Decisions are made about common problems that come up frequently. Some independent thinking is required. Problem Solving
Interpersonal communication: Requires communicating well with people at different levels, frequently sharing information with others while listening to and understanding their points of view. Logical analysis:
Requires thinking through and solving problems step by step, often looking beyond the obvious solution to a problem and digging deeper for the best solution. Controls: Borrowing restrictions and other limitations on financial holdings designed to alleviate staff conflicts of interest with District depository institutions. Internal procedures and controls (i.e., dual pass or segregation of duties for data input for staff with data entry responsibilities), automation system access and utilization controls associated with CRM's core functions and daily processes.
PLEASE NOTE : This position requires access to confidential supervisory information, access to which is limited to "Protected Individuals" as defined by regulation of the Board of Governors of the Federal Reserve System. Protected Individuals include, but are not limited to, U.S. Citizens, U.S.
Nationals, and lawful permanent resident aliens (also known as "green card holders") but do not include (i) a permanent resident alien who fails to apply for naturalization within six months of the date the alien first becomes eligible to apply for naturalization and (ii) an alien who has applied on a timely basis, but has not been naturalized as a citizen within 2 years after the date of the application, unless the alien can establish that the alien is actively pursuing naturalization. If you are selected for an interview, you will be required to present documentation of your eligibility prior to the interview.
Organization:Federal Reserve Bank of Cleveland
Title:Credit Risk Analyst II/Sr Credit Risk Analyst - Credit Risk Management
Senior Credit Administrator, Lada Credit Management Group - Smbc Specialized Finance Department (Bilingual Spanish Preferred)
Overview SMBC's LADA Corporate Finance Team is looking for a Senior Credit Administrator who will be responsible for supporting the team’s coverage efforts through administrative functions in relation to credit/process controls and credit management of the LADA portfolio, with a focus on corporate transactions. The incumbent will be responsible for effective business operations and credit and risk management, with an emphasis on adherence to internal procedural rules, credit policy and requirements, and as needed, assist on-going portfolio maintenance activities and originations support from an administration point of view. The incumbent will also provide crucial support for bankers interfacing with clients by handling client related requests, communicating with relevant teams within the bank, etc. Bilingual English/Spanish candidates strongly preferred.
Responsibilities - Work closely with team members, credit, operations, and other internal SMBC teams including head office functions in Tokyo to ensure appropriate credit management and successful execution of transactions.
Act as a key contact person for the team’s country risk management, and spearhead various related activities including periodic reporting, arranging meetings and handling requests from the head offices.
Support corporate team’s internal credit process from origination to commitment including assisting internal administration process such as KYC, checking credit and review applications, and managing timelines of internal approval process through communications with credit department.
Ensure effective credit and risk management, with emphasis on adherence to credit policy and requirements, and as needed, assist on-going portfolio maintenance activities and originations support from administrative standpoints, such as update of deal pipeline list and update and analysis of Latam portfolio database.
Qualifications Work Experience:
A minimum of 3-5 years of relevant experience in a corporate bank or relevant financial institution.
Previous experience in an administrative function in credit process and/or portfolio management.
Advanced level of credit experience and familiarity with corporate finance a plus.
The ability to work with and understand various deal structures a plus. Education: - Bachelor’s degree in Business, Finance, Accounting, Economics, or equivalent work experience
Formal credit training a plus.
- Must be proficient with Microsoft Word and Excel; Access proficiency a plus.
Strong mindset to get various projects done within required timeframe, by identifying necessary steps and potential challenges throughout the process, setting up proper milestones toward the deadline taking expected / unexpected disruptions into account, and executing the steps in accordance with the milestones while amending as situation requires along the way.
Able to quickly learn and adapt to internal policies, processes, grading and other systems. Able to work well in a culturally diverse and team oriented environment. Demonstrates intellectual curiosity and an interest in continuous learning.
Excellent written and verbal communication skills with an ability to present effectively through the administrative and credit processes.
Have the ability to operate independently and maintain a high level of trust and confidence by senior line and risk management.
Highly motivated and self-driven person with a desire to succeed and drive business.
Fluency in Spanish and/or Portuguese preferred. #LI-PRI
Job LocationsUS-NY-New York
TypeFull-Time SMBC is an EO employer – M/F/Veteran/Disability
Credit Associate - Commercial Credit Services Group - Irvine, California
Description: Discover your opportunity with Union Bank® and become a part of one of the world's leading financial groups.
Union Bank is a member of Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world with total assets of over $2.4 trillion (as ranked by SNL Financial, April 2016) and 140,000 colleagues in nearly 50 countries. In the U.S., we're 13,000 strong, working together to positively impact every customer, organization, and community we serve. At Union Bank, we aim to be the premier and most trusted West Coast bank, serving customers with high-touch, local delivery and global capabilities as we leverage our rich, 150-year history.
This is all part of our inclusive, high-performing culture supported by competitive Total Rewards, including our cash balance pension plan. Join a team that's working to fulfill its vision to be the world's most trusted financial group. JOB SUMMARY The Commercial Credit Services Group (CCSG) provides centralized underwriting and portfolio support for the Bank's Middle Market group, and portfolio support for the Private Bank, Commercial Finance, Business Banking, Retail, and Transaction Banking.
Credit Associates perform work - primarily spreadsheeting - within this high volume work environment. The Credit Associate position is entry-level and aims to build basic credit experience through the performance of repetitive tasks for the above portfolios. Work performed by the Credit Associates is reviewed and used by Credit Executives, who may provide coaching, mentoring and constructive feedback about work quality.
Credit Associates who have demonstrated satisfactory job performance and have successfully completed all training classes required for entry to the Bank's Commercial Credit Training Program are eligible to interview for sponsorship positions within the Commercial Banking or specialized lending groups. MAJOR RESPONSIBILITIES 1.
Analytical and Loan Management support: 80% Spreadsheeting of prospect and borrower financials in Risk Analyst ('RA') and Excel Spreadsheeting of prospect and existing guarantor personal financial statements and tax returns in RA and Excel Spreadsheeting of projections in RA - Monitor financial covenants and/or liquidity, for compliance with terms of credit agreements Monitor collateral eligibility for credits with borrowing base structures Prepare trend cards Necessary follow-up and communication with CE's and RM's 2. Attend training classes and perform required certifications
10% Pre-requisites for the Bank's Commercial Credit Training Program, including Commercial Credit for Lenders and Intermediate Accounting. 3. Special projects and Peer training
5% 4. Provide support to various CCSG special projects as requested or necessary, including additional peer training responsibilities. 5. Projects for Credit Executives: 5% Partial / Full credit and financial analysis of borrowers, guarantors and vendor
Preparation of Administrative Action reports and full CRS drafts Draft Problem Loan and Watchlist reports.
This is a highly competitive opportunity At a minimum, the right candidate should meet the following criteria:
A recently acquired Bachelor's Degree (preferably in a business-related major, Economics, Finance, etc.) Exceptional interpersonal, analytical, and writing skills Excellent organization, time management, and attention-to-detail abilities Computer literacy, including functional knowledge of MS Word and Excel. Minimum Cumulative GPA 3.0 Able to furnish proof of citizenship, permanent residency, or authorization to work in the U.S. PRIMARY MEASUREMENTS 1.
Accuracy 2. Completion of tasks with turnaround targets / Service Level Agreements 3. Efficient prioritizing of tasks and workload balancing to achieve high priorities The above statements are intended to describe the general nature and level of the work being performed.
They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. We are proud to be an Equal Opportunity / Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives, and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate in employment decisions on the basis of any protected category. SDL2017
Credit Analyst / Senior Credit Analyst
The credit analysts at Mulligan are responsible and assessing the financial condition of small business loan applicants and approving or declining loans. The credit analysts evaluate financials to assess cash flow and liquidity in order to determine if loans should be approved or declined. Unlike working at a bank, this is an extremely fast-paced role that will involve decision making authority. Credit analysts must be adept at multitasking, critical thinking, and extemporaneous decision-making. Specific responsibilities include:
- Review financial statements and analyze business bank statements to determine credit worthiness of small businesses
- Analyze personal credit reports of businesses and individuals and assess how the guarantor personal credit may affect the creditworthiness of the business
- Sizing and structuring loans for approved clients
- Complete credit memos for approved loans that support the decision and the structure of the proposed financing
- Conduct ad-hoc research on businesses to protect against fraud
- Interview potential clients in order to further assess ability to repay
- Decline loan applications that do not meet the minimum criteria
- Bachelors’ degree, preferably in Business, Finance, Economics, or a similar discipline
- Minimum 1 year of experience underwriting and decisioning small business loan applications. 2-3 years in the industry is preferred
- A strong grasp of GAAP accounting principles and ability to dissect financial statements and business bank statements
- Knowledgeable about the small business lending landscape in the U.S. with insights into various industry risk segments
- Well-developed organizational, communication, and time-management skills
- Adept in all Microsoft Office Products, G-Suite, and ability to quickly pick up new programs and CRM systems
- Strong critical thinking, mathematical, and analytical skills
- Ability to make complex decisions under pressure in a fast-paced environment
To be successful in this role, you need to be highly organized, able to multi-task, and build rapport quickly and effectively. In this role, you will be the first impression for Mulligan Funding, and will need to present a professional and consultative demeanor to each prospective client.
We are growing our team by leaps and bounds and your success in this role, along with the company need, will determine your path. If you are results oriented, motivated, and enjoy working in a fast-paced environment, we would like to meet you.
Credit Analyst Credit Region 7
We are now hiring Req #4855 Credit Analyst Credit Region 7 CREDIT Salary FT Monday, October 16, 2017 Completes activities within the Credit Collections department across assigned locations, including implementation of company’s policies and procedures related to credit and collection activities; ensures effective handling of collection of delinquent accounts and investigating the credit risks of customers and suppliers.
Responsible for the implementation and adherence to company credit/collection policies, practices and procedures across one or multiple geographic areas.
Recommends and/or approves decisions regarding adjustments to customer accounts, and referral of overdue accounts for legal action. Coordinates area collection decisions with management teams and sales departments.
Manages delinquent customer receivables, negotiates special customer payment plans and participates in development of financial packages. *Monitors credit activity including monthly review of large accounts, location compliance with credit policies and procedures, lien laws and sales tax laws.
Works closely with Credit Management and field leadership to resolve difficult collection cases. Bachelor’s degree in Accounting, Finance or a related field and at least two (2) years credit collections experience; or equivalent combination of education and experience. CREDIT Salary Littleton CO Millwork - 8037 Midway Dr (80125), Littleton, Colorado, United States of America
Credit Officer 3 - Small Business Credit
Primary Location: United States,Texas,Irving +
Education: Bachelor's Degree +
Job Function: Credit +
Schedule: Full-time +
Shift: Day Job +
Employee Status: Regular +
Travel Time: No +
Job ID: 17064625
Description Credit Officer 3
The Delinquency Managed (DM) Credit Officer function is designed to provide a thorough, objective analysis of the financial condition and credit worthiness of borrowers and individuals, as well as analysis of prevailing industry and market conditions on submitted commercial loan requests.
Analysis is performed through the examination and interpretation of historical and projected financial statements (tax returns) and related information, biographical data on a company and / or individual, market information and credit reports, with a focus on determining a borrower's repayment ability.
Many commercial lending clients will have complicated business structures with various subsidiaries and foreign entities which require an analysis of intercompany cash flows and foreign exchange risks.
All credit reviews and decisioning to be in compliance with internal credit risk policy guidelines.
Credit Officers interface with and are expected to maintain strong working relationships with Small Business Banking Managers, Commercial Banking Relationship Managers, Credit / Risk Managers and customers to facilitate the lending process.
The lending environment is volatile and it is expected that ongoing education will be necessary to ensure knowledge of the various products and services offered in the Commercial/Small Business Banking business.
The ability to work independently and handle assigned transactions within the established turnaround standards is required.
Attendance at advanced commercial credit training classes sponsored by the Commercial Bank and Independent Risk is required to attain individual credit authority – up to $1MM.
Loan requests / decisions – up to $1,000,000 (Originations) .
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.
Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to determine repayment capacity based on cash flow statements, tax returns, and statements.
Perform industry and geographical research and other due diligence as needed.
Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization.
Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.
Support business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.
Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed.
Other duties as required to support business unit and company goals.
About Citi Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. Citi’s Mission and Value Proposition at http://www.citigroup.com/citi/about/mission-and-value-proposition.html explains what we do and Citi Leadership Standards at http://www.citigroup.com/citi/about/leadership-standards.html explain how we do it. Our mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. We strive to earn and maintain our clients’ and the public’s trust by constantly adhering to the highest ethical standards and making a positive impact on the communities we serve. Our Leadership Standards is a common set of skills and expected behaviors that illustrate how our employees should work every day to be successful and strengthens our ability to execute against our strategic priorities. Diversity is a key business imperative and a source of strength at Citi. We serve clients from every walk of life, every background and every origin. Our goal is to have our workforce reflect this same diversity at all levels. Citi has made it a priority to foster a culture where the best people want to work, where individuals are promoted based on merit, where we value and demand respect for others and where opportunities to develop to are widely available to all.
Qualifications Bachelor's degree in finance/accounting or equivalent experience + 5+ years in a commercial/business credit underwriting environment reviewing credit transactions up to $1,000,000 (minimum) or equivalent experience
Expertise in underwriting business operating lines, term loans, standby letters of credit, FX, ACH and commercial real estate transactions
Previous credit authority experience
Prior experience working in a regulatory and compliance policy environment
Small Business Administration (SBA) experience preferred (7a / Express / 504 programs) SKILLS / ABILITIES:
Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections; including complicated business structures with foreign subsidiaries and/or parent organizations.
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Strong inter-personal and written/verbal communication skills
Strong problem recognition and resolution skills
Pro-active disposition with ability to work independently and within a team
Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
Wholesale Credit Associate - Commercial Credit Analyst - Portfolio Management
As a Wholesale Credit Associate for Chase Merchant Services, you will support expert level underwriting and portfolio management functions associated with our strategic client base Key
· Analyze financial statements and account histories · Prepare credit memoranda with a focus on writing narratives on the underlying client’s solvency and inherent risks · Stay informed about factors affecting a variety of industries and connect these with possible impacts to our clients · Recognize possible risks that a client’s business may pose to the organization, including financial and reputational, and be able to recommend actions to mitigate such risks · Discuss a client’s financial position and business with that client in a professional manner
· Minimum of 12 hours of college level courses in accounting or finance, or relevant work experience including financial statement spreading · Minimum one year of experience as a commercial credit analyst within a commercial credit or banking environment Preferred
· Bachelor's degree in Finance, Accounting or related field · Advanced level analytical and business writing ability · Excellent communications skills, both written and verbal · Experience with Anti-Money Laundering, OFAC and other regulatory compliance JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran.
Credit Analyst, Structured Credit Research
COMPANY Genworth is a Fortune 500 financial services company providing financial security and protection through our Mortgage Insurance and Long Term Care Insurance businesses. Our purpose is to help families achieve the dream of homeownership and address the financial challenges of aging. At Genworth, our promise to our employees is the opportunity to make a meaningful difference in the lives of our customers, our communities, and one another. Led by our Chief Investment Officer, the Investment Department manages a consolidated investment portfolio of nearly $75 billion and consists of investment professionals focused on portfolio management, risk management, asset management, derivatives, operations, finance and accounting functions.
SUMMARY This position will be a member of the Structured Credit Research team predominantly covering RMBS and ABS sectors. The successful candidate will play an important role in evaluating new investment opportunities and managing existing investment positions. The individual in this position will have a portfolio of credits to surveil and will be responsible for supporting team analytics and reporting needs. This position will report to the Head of Structured Credit.
Work with senior analysts on the Structured Credit Team to make buy/hold/sell recommendations based on Genworth’s investments strategy, portfolio needs and risk parameters within the ABS, RMBS, and CMBS asset classes
Review portfolio holdings according to Investments surveillance requirements. This includes:
Analyzing performance information on Genworth’s holdings through Intex, Trepp, Bloomberg and Servicer reports
Maintaining relationships with trustees, servicers, special servicers, rating agencies, and bankers to determine causes of performance variance versus expectations
Comparing the performance to our original expectations, and
Participating in monthly credit reviews for structured finance asset classes and watch list discussions.
Assist in monthly surveillance review and quarterly bond level expected cash flow analysis
Assist in preparation of portfolio reviews
Bachelor's degree in Finance, or related area(s) of study
Minimum of 2 years of experience investing in structured products – ABS, CMBS, RMBS
Experience analyzing or modeling variety of deal structures
Experience working with Intex, Trepp, Bloomberg, CoStar / REIS
Strong Excel and Power Point Skills
Exceptional analytical skills, oral and written skills
Meticulous and detail-oriented team player who can adapt to changing priorities
MBA or equivalent degree
CFA or candidacy Genworth Financial, Inc. is a leading insurance holding company committed to helping families achieve the dream of home ownership and address the financial challenges of aging through its leadership positions in mortgage insurance and long term care insurance. Headquartered in Richmond, Virginia, Genworth traces its roots back to 1871.
Risk, Credit Risk Management And Advisory (Crma), Credit Research Group (Crg), Associate, Salt Lake City
MORE ABOUT THIS JOB The Risk group is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. The Credit Risk Management & Advisory Department (“CRMA”) is a central part of the Goldman Sachs risk management framework, with primary responsibility for assessing, monitoring and managing credit risk at the Firm. CRMA is staffed globally with offices including New York, London, Frankfurt, Salt Lake City, Singapore, Sydney, Hong Kong and Tokyo. Understanding the credit quality of corporations, financial institutions and governments worldwide is an essential aspect of the firm’s ability to be an effective financial intermediary. Credit professionals with expertise in financial, credit and risk analysis work closely with many areas of the firm as well as clients in either an advisory or transactional capacity, offering a unique opportunity to gain a broad perspective on the activities of the Firm. We partner with other divisions in the firm and externally with clients to support the firm’s wide array of banking and trading business. CRMA professionals are part of the value proposition of the firm and we balance our key functional responsibility of control with that of being commercial. CRMA has strong traditions of risk management, client service excellence and career development opportunities for our people. Below you will find the role and responsibilities of a typical Credit Research Group analyst. HOW YOU WILL FULFILL YOUR POTENTIAL
Counterparty Analysis and Risk Management
Write annual reviews assessing counterparties’ creditworthiness and recommend internal credit ratings
Build and maintain financial projection models
Present analysis to senior management and peers
Monitor counterparties for changes in creditworthiness and take appropriate action
Plan and participate in counterparty due diligence sessions
Produce commentaries for senior management
Coordinating with New York and European-based colleagues in GS CRMA and other divisions
Supporting CRMA governance committees
Participating in regulatory examinations RESPONSIBILITIES AND QUALIFICATIONS SKILLS AND EXPERIENCE WE ARE LOOKING FOR Basic Qualifications
At least 5 years of relevant work experience in this space Preferred Qualifications
Demonstrated ability to mentor junior colleagues
Functional background or relevant experience in finance and accounting is preferable
Experience in credit analysis, ratings analysis, corporate finance and/or research desired
Highly motivated with strong academic background
Strong analytical and communication skills, both oral and written
Team player with an ability to work effectively with colleagues in other regional offices
Flexibility, ability to learn quickly
Strong organizational skills and the ability to manage multiple assignments concurrently ABOUT GOLDMAN SACHS The Goldman Sachs Group, Inc. is a leading global investment banking, securities and investment management firm that provides a wide range of financial services to a substantial and diversified client base that includes corporations, financial institutions, governments and individuals. Founded in 1869, the firm is headquartered in New York and maintains offices in all major financial centers around the world. © The Goldman Sachs Group, Inc., 2017. All rights reserved
Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Vet. Job ID2017-39446 Schedule TypeFull Time LevelAssociate Function(s)Risk Management RegionAmericas DivisionRisk Business UnitCredit Risk Management Employment TypeEmployee
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