Analyst / Associate – New or Recent Graduate Opportunity – Corporate and US Commercial – Special Assets Management

Analyst / Associate – New or Recent Graduate Opportunity – Corporate and US Commercial – Special Assets Management

Requirements

• 2-4 years of experience or motivated new graduate individuals with a strong desire to learn
• Credit Qualifications and associated credit knowledge and skills according to the established qualification standards
• In-depth knowledge of banking products & services
• In-depth knowledge of industry trends and regulations
• In-depth knowledge of credit portfolio management policies & procedures, and financing guidelines
• Technical proficiency gained through education and/or business experience
• Verbal & written communication skills – In-depth
• Collaboration & team skills – In-depth
• Analytical and problem solving skills – In-depth
• Influence skills – In-depth
• Data driven decision making – In-depth

Responsibilities

• Delivers an exceptional customer experience for a defined portfolio of high risk borrowing accounts
• Advises internal and external stakeholders on complex, high-risk credit risk transactions and mitigation strategies
• Makes credit decisions/recommendations in accordance with sound credit-granting principles and in compliance with Bank Policy & Procedures
• Works with stakeholders to deepen relationships and grow the overall profitability of the portfolio
• Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs
• Provides advice and guidance to assigned business/group on implementation of solutions
• Monitors the financial and risk performance of account portfolio; performs financial and risk analysis of customer and account information to provide insights and recommendations on how to improve quality, liquidity and Bank’s security position
• Documents decisions on credit transactions with rationale that can be understood and explained to customers
• Identifies and advises on terms, conditions and collateral requirements for the transaction decision as well as alternative solutions
• Keeps abreast of economic and market developments within the portfolio to inform decision making and credit risk policies
• Maintains and enhances knowledge around lending issues, including loan structure, collateral, foreclosure, bankruptcy and the various regulations that directly impact the Bank
• Provides credit risk coaching and advice to sales & service employees to increase awareness of risk, policy, and knowledge of structuring transactions
• Supports the execution of strategic initiatives in collaboration with internal and external stakeholders
• Builds effective relationships with internal/external stakeholders; includes legal and insolvency professionals and other consultants/advisors in the commercial business community
• Gathers and formats data into regular and ad-hoc reports, and dashboards
• Monitors and tracks performance and addresses any issues
• Provides input into the planning and implementation of operational programs
• Executes work to deliver timely, accurate, and efficient service
• Exercises judgment to identify, diagnose, and solve problems within given rules
• Works independently on a range of complex tasks, which may include unique situations

Preferred Qualifications

No preferred qualifications provided.