Bi Lingual Credit Analyst-Mid Market/Large Corp

New York, NY | Direct Hire

Post Date: 08/29/2017 Job ID: 12014 Industry: Credit Analyst

The Senior Credit Analyst is responsible for managing all credit issues relating to assigned NY  corporate accounts (mixed portfolio of  Mid-Market (UK), Large Corporate and Key Account customers)  and serves  as back-up for the Senior Credit Analyst SOFOM.  This includes  tasks such as  preparation of credit applications,  periodicreviews,  ratings and ensuring regulatory compliance.  The Senior Credit Analyst  prepares/supports with  loan  and collateral  documentation.  Monitoring of  assigned NY  corporate  accounts,  reporting  and proposing adequate risk-reducing measures  are further central tasks.

DUTIES
  • Assess the creditworthiness of existing/prospective borrowers (and guarantors)  in various industry sectors and propose adequate loan/facility/collateral  structures, terms and conditions and documentation.
  • Independently prepare  credit  applications,  periodic reviews,  amendment and  waiver  decisions  as well as other  internal  documents that relate to credit issues.
  • Draft  and/or  review of  loan  and collateral  documentation, waiver, ancillaries  and amendments  under German or U.S. law  in conjunction with internal/external legal counsel as applicable.
  • Maintain  credit and collateral files and data bases and ensure compliance with German and U.S. regulatory framework.
  • Ongoing monitoring of  assigned  NY  corporate  accounts.  Identify potential problems early on and propose adequate risk-reducing measures.
  • Regular  status reporting to  manager, risk  committee,  NY  branch  management and  various recipients inhead  office  based on established internal protocol (e.g. Watch List procedure).
  • Liaise closely with  customers,  relationship managers and risk management in Germany and  NY.
  • Proactive in suggesting improvements to credit process work flow (e.g. standardization, tools).
  • Participation in projects.

 

SKILLS REQUIRED
  • Thorough knowledge and experience in financial statement analysis (HGB, US GAAP, IFRS).
  • Ability to work  proactively and  well under pressure.
  • Good oral and written communication skills (English, advanced  Spanish, working knowledge  of German  a plus).
  • Thorough knowledge of  lending  procedures.
  • Sound knowledge of U.S. and German banking system  and regulatory environment.
  • Solid background in relevant German and U.S. business laws.
  • Team player on a group and interdepartmental basis.
  • 5+ years of experience  in risk management  of corporate accounts.
  • Advanced MS Office.

 

EDUCATION
  • Bachelor’ s  or Master’ s  degree  in business, economics, or related field.

 
Must be fluent Spanish, knowledge German...

Dan McNichol
VP

Dan McNichol comes to Adams Consulting Group with more than 22 years in the banking and software industries. Dan also has over 15 years in the recruiting industry, in which includes a previous association with Len Adams at KPA Group. As a banker Dan started his career with Manufacturers Hanover Trust Co. as a management trainee in the International Funds Transfer Division. He eventually moved on to two regional banks where he ran various international operations groups including Letter of Credit, Collections, FX and Funds Transfer. During his tenure with National Community Bank (n/k/a Bank of New York), Dan was part of team that assisted in the trade services group migration from a manual to an automated environment. The opportunity to expand his technical skills provided an ensuing opportunity to move to the vendor side of trade services. As a recruiter, Dan has been involved with searches on behalf of financial organizations from small retail neighborhood banks to prime foreign and U.S. banks seeking mid- to senior-level managers in disciplines involving compliance, international, retail, credit, lending and operations.

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