Portfolio Associate

Key Responsibilities

• Monitor, document, underwrite, and react to the credit quality of an assigned portfolio of loans within CIB Portfolio Management.
• Contribute to planning related to functional area deliverables.
• Review less complex or tactical issues, policies, or procedures for which answers can be quickly obtained related to low-to-medium risk tasks and deliverables.
• Receive direction from supervisor and exercise judgment while developing understanding of functions, policies, procedures, and compliance requirements.
• Provide information to managers, functional colleagues, and stakeholders.
• Perform financial statement spreading & analysis.
• Review monthly client reporting to check for completeness & accuracy of financial calculations including covenants.
• Prepare a summary of the above in written format or a common-sized excel format.
• Maintain various databases and spreadsheets for internal reporting.
• Track & report on financial trends of the client or loan.
• Prepare monthly and/or quarterly decks to report on the above.

Requirements & Tech Stack

• CIB Portfolio Management experience (6+ months) or equivalent demonstrated through work experience, training, military experience, or education.
• Credit analysis, debt or equity research, corporate lending, or structured finance experience (up to 4 years). This includes work on mortgage-backed securities, bond securitizations, or Collateralized Lending with another large bank.
• Strong communication skills (verbal and written).
• Ability to speak articulately.
• Strong business writing skills (error-free, correct grammar).
• High level of personal motivation.
• Strong interpersonal skills to work across continents.
• Ability to work in a fast-paced production environment.
• Ability to juggle a variety of tasks.
• Time management skills.
• Comfortable working independently and as part of a team.

Qualifications

• B. Com plus equivalent degree, preferably MBA, CFA, or CA.