Company Overview

The bank Americas is a leading financial institution comprising several legal entities, which together offer clients corporate and investment banking, financing, securities, treasury services, asset management, research, and more. The bank's operations in the Americas connect a broad client base of major corporations, financial institutions, and public sector groups to local markets and a vast global network.

About the Team:

The Corporate & Structured Products Credit (CPSC) Real Estate team is responsible for credit analysis conducted in connection with approval of credit transactions and ongoing monitoring of real estate-related industries, including REIT and home building. Clients are diversified across multiple sub-sectors and niche markets. This position provides (i) a great opportunity to cover challenging credits in the real estate space, (ii) strong visibility with senior and executive management, and (iii) exciting career growth prospects.

Summary:

This position requires an individual who is open-minded to new skills and potential new industries, can skillfully serve as a linchpin between the various stakeholders within the branches, agencies, and other credit departments. The Credit Officer must possess in-depth industry knowledge and have their finger on the pulse of market trends to make accurate recommendations to senior management for approval or denial of credit requests.

Core Responsibilities:

• Reviews/assesses credit applications from branches/agencies.
• Provides effective analysis of credit, including creditworthiness of the applicant, loan structure, risk return, the applicant’s operating, financial, and industry profiles, including historical profit and loss performance, financial condition, and cash flow.
• Creates various types of projection/enterprise valuation/recovery/other financial models, commenting on the reasonableness of assumptions in both management and the bank’s sensitivity cases.
• Compares the prospective borrower to its peers and summarizes industry trends.
• Prepares accurate, clear, well-organized, and complete written summary analyses (credit opinions) with recommendations for approval or decline. Discusses with branches/agencies potential changes to credit structure or other conditions for which credit approval would be granted.
• Recommends appropriate risk ratings for each customer/transaction as required.
• Conducts comprehensive annual reviews and quarterly reviews of each customer.
• Engages directly in external meetings/presentations/events with syndicate banks, rating agencies, clients, law firms, and other related parties in coordination with coverage bankers, other product partners, and the bank’s affiliates.
• Proactively monitors and assesses assigned borrowers/industries, including market data such as share price, EDF, CDS, loan secondary price, or other appropriate indices, and reports the information and its impact on credits/industries to senior officers in a timely manner.
• Ensures compliance with credit standards, policies, objectives, and requirements. Plays a strong management role with branches/agencies to ensure they understand and comply with the policies.
• Acts as a liaison, gathers information (especially on problem customers), and exchanges views with branches/agencies/other credit departments and senior management regarding issues related to credit applications, monitoring, analysis, standards, and policies.

Qualifications:

• Proven credit analysis skills and related analytical skills/knowledge/abilities:
• • Demonstrates strong industry knowledge and information on key industry players within the real estate, home building, and engineering & construction industries.
  • Exhibits a capacity to analyze underlying credit trends, including the competence to accurately assess credit migration trends and the default possibility of borrowers.
  • Aptitude to write well-organized, accurate, and in-depth reports based on information gathered and thoughtful cash flow projections.
  • Strong multitasking ability to proactively monitor a pool of credits to detect potential credit problems at an early stage.
  • Advanced knowledge of Excel and experience with building comprehensive cash flow projection models.