Credit Analyst-Structured Finance

About the Role

The Credit Analyst CIB supports Corp & Institutional Banking (CIB) Lenders / Lending Units to meet various requirements including credit risk compliance, financial crime compliance, loan operations, and deposit operations. You will work with RM teams at deal origination and/or processing loan amendments and modifications, provide client research, prepare detailed credit analyses for deal screen and credit application, and perform customer due diligence including KYC. Assist with and facilitate coordination with various internal and external stakeholders ensuring account opening, provide loan origination/closing support, assist with covenants compliance and ticklers/Globalwave maintenance throughout the life cycle of the account. Ensure compliance with bank policy and regulatory requirements.

Key Responsibilities

• Perform due diligence on new transactions and loan amendments/modifications.
• Prepare detailed credit analysis for new loan applications and loan amendments/modifications.
• Oversee covenants compliance, including detailed review and verification of financial covenant reports and maintenance of the tickler and Globalwave database.
• Complete KYC/AML/OFAC/USA PATRIOT Act due diligence and analysis, including assembly of the KYC/BSA package.
• Provide support to portfolio managers, underwriters, and relationship managers, including maintenance of credit documentation and files in Globalwave.
• Work with internal support groups on deal closing, booking, and funding, as well as on-going activities during the loan life cycle, account opening, and on-going account maintenance.
• Maintain the loan syndication site for Lead Admin agent deals.
• Assist with episodic projects, including internal and external audits, credit policy and procedure review, etc.

Requirements & Tech Stack

• Globalwave
• Tickler database

Qualifications

• Minimum Education Level: Bachelor’s degree in Finance, Accounting, or related fields.
• Minimum Job Experience: 0-2 years
• Demonstrate role-appropriate knowledge of Corporate Banking, Credit, and related policies and procedures.
• Demonstrate role-appropriate knowledge of banking regulations and state/federal regulations.
• Demonstrate role-appropriate knowledge of regulatory and financial crime compliance.
• Thorough understanding of accounting principles, financial statements, and cash flow analysis.
• Ability to work independently and be self-starting/proactive toward completing credit-related tasks and obtaining necessary documentation, due diligence research, and completing customer onboarding and/or loan closing / account opening and maintenance tasks.
• Strong time management skills and ability to work under pressure within time constraints.
• Strong verbal communication and interpersonal skills to manage both internal and external relationships.