Associate, Credit Analysis (TMT Utilities sectors)

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Overview of the Department/Section

The Credit Analysis team is the Bank’s first line of defence, sitting alongside CIB bankers to promote an optimal risk / return on the banks’ lending opportunities.
The department comprises 50+ individuals organised across five sector-oriented teams. Each credit analyst is responsible for managing the risk exposure of an EMEA wide portfolio. Analysts work with Front Office counterparts on live transactions and portfolio monitoring to identify and mitigate risks associated with the counterparty, deal structure, documentation, industry and macroeconomic environment.
CAD supports analyst progression through a commitment to learning and development, combining on the job experience with internal and external training, including sponsorship of CFA studies.
The department draws team members from a wide range of backgrounds, including candidates with accountancy, rating agency and other banking experience.
Main Purpose of the Role

The credit analyst’s role focuses on the preparation of forward-looking fundamental analysis in support of client onboarding, live transactions, facility renewals and annual reviews.
The analyst will manage an individual portfolio and, over time, be expected to develop both a sector expertise and deep individual counterparty understanding, facilitating a comprehensive top down and bottom up risk review process.
The role includes actively monitoring portfolio performance, undertaking regular qualitative and quantitative corporate analysis, conducting client due diligence, developing forecast models and ultimately making recommendations on both internal credit ratings and transaction proposals.
The role sits in the Utilities TMT sector team, with the portfolio covering counterparties mainly across Western European jurisdictions.
Key Responsibilities

Participate in credit due diligence as part of the portfolio review process, as well as in the onboarding of new clients and following key risk events.
Quickly assess pertinent credit issues, raising salient points to the correct stakeholders and analyse the risk reward trade-off.
Work diligently to develop technical skills and industry knowledge related to the role, working towards sectoral and/or jurisdictional expertise.
Ensure accurate and timely compliance with internal rules and reporting procedures.
Demonstrate ability to multi-task and manage ever changing and often conflicting priorities.
Undertake specific country and industrial sector research and other department/ bank wide project work as appropriate.
As directed support the development of other junior staff members assigned to the team. Read more