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As part of Global Banking & Markets, GCIB Credit manages and delivers the credit relationship for wholesale clients in accordance with the company’s growth strategy, risk appetite and underwriting standards. While we are an independent function, we work closely with various lines of business, relationship managers, product specialists and Risk.
What we do
Global Banking & Markets includes corporate banking, investment banking and sales & trading. The group provides services to middle-market and large corporations, government entities and institutional investors. These services include mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.
GCIB Credit is responsible for analyzing and underwriting debt financing solutions and derivative strategies for medium and large corporate clients of Global Banking & Markets. .
GCIB Credit partners with teams across Global Banking & Markets including Trade Service Partners and Global Treasury Management to drive business growth and results while maintaining appropriate risk discipline specific to the corporate credit portfolio.
Integral to GCIB Credit’s mission is its partnership with other branches of Global Banking & Markets and Risk Management organization in order to effectively manage and monitor the credit, market and operational risks related to the corporate portfolio.
What you'll do
- Develop and maintain a deep understanding of the Global Banking & Markets product spectrum.
- Develop and maintain a deep understanding of the portfolio at the client, industry, and macro level in order to assess risk and craft value added solutions that balance risk.
- Assess the credit worthiness, including assessment of financial statements, due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.
- Assist with structuring of transactions and negotiating credit documentation including; credit agreements, amendments, ISDAs, and CSAs.
- Drive deal selection, screening and transaction management process.
- Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
- Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client’s credit life cycle.
- Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
- Participate in strategic projects to support business goals.
- Ensuring adherence to prevailing credit policy and procedures.
Competencies we look for
- Corporate/ FI credit skills and risk judgment and ability to defend rigorously a fact based point of view.
- Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
- Knowledge and keen interest to learn about issues related to industry risk, transaction risk an awareness of country risk factors, reputational risk and operational risk.
- Strong communication skills, both written and oral – ability to be concise and with attention to accuracy and detail.
- Commercial mindset to support value added discussions within GCIB Credit and Relationship Managers.
- Ability to quickly absorb and follow internal credit policies and procedures; demonstrated ability to continuously learn and adapt with a proactive work ethic.
Skills we look for
- Credit risk experience analyzing Corporate and/or FI credits at a financial institution, analyzing, assessing clients in different sectors and structuring transactions,
- Effective interpersonal and communication skills with ability to resolve issues in a professional and timely manner working in a team.
- Strong organizational skills with ability to prioritize and work under pressure to ensure to meet deadlines.
- Fluency in use of all Microsoft Office applications, particularly Excel.
- French or German language skills would be preferable
- Keen interest in macroeconomic and geopolitical issues
