Associate Director - Financial Institutions
Credit Analysis conducts credit analysis related to a range of products marketed to corporate, institutional and/or governmental clients. Evaluates the overall credit worthiness of organizations and their ability to meet their financial obligations for traditional credit-based products as well as a variety of structured banking transactions, traded products and underwriting activities. Reviews proposed transactions against the criteria standards set by the organization. Senior level staff provide input to committees on revisions/amendments to existing standards and documentation requirements. Also monitors the firm's credit exposure by industry, country/region and product/transaction type to ensure adherence to the exposure limits set by the firm’s Committees.
Credit Analysis Support provides broad support for business and product areas for all credit related matters. Maintains databases and data feeds, cleans data, and makes updates to accounts and related administration. Assembles pertinent financial, technical and other data essential to debt rating activities, and applies acquired research, analytical and reporting skills.
Key roles & Responsibilities:
Analyzes a portfolio of assigned entities as well as moderately complex situations, data, and information, assesses client’s quarterly financial projections and resolves difficult deal-specific analytical situations.
Develops and recommends criteria for new issues consistent with existing S&P criteria; learns and applies S&P internal systems and effectively communicates S&P’s methodology and procedures to clients, Participates in (and leads as assigned) projects related to criteria and quality, process improvement, and tools.
Aids in identifying market trends, client developments, and client’s financial projections in several industries.
Writes criteria pieces, deal summaries and analytical reports, contributes to thought leadership pieces and synthesizes analysis into well-reasoned and well-supported rating recommendations that demonstrate a strong understanding of financial markets and business environment and the relationship to S&P products.
Works effectively with markets and jurisdictions outside of primary focus in a team-oriented, multi-cultural and global environment.
Acts as the primary analyst for a complex entity or complicated transaction and is an active, vocal voting member of the committee who makes recommendations to the rating committee and prepares material for ratings publication.
Listens for and identifies new opportunities and involves the appropriate level of management.
Minimum and Preferred Education
Advanced degree plus Level 1 & 2 certification.
Minimum and Preferred Experience/Skills
3-5 years in financial services (7-10 years without advanced degree).