Analyst/Associate – Credit Transaction Management – Ctm

Analyst/Associate – Credit Transaction Management – Ctm

Requirements

• Strong academic credentials including completion of Bachelor’s degree in Business, Finance, Economics, or Engineering mathematics or any other problem solving fields
• 1-5 years work experience in a related field, including banking or corporate lending experience, finance and/or risk management, or knowledge of structuring and writing of credit proposals, credit processes and policies
• Highly motivated self-starter with keen attention to detail and strong interest in corporate finance and credit
• Ability to read and understand complex legal documents (e.g. loan agreements, security documents)
• Strong credit and analytical skills including the ability to critically assess financial statements and other client reports to draw reasoned conclusions and recommend a course of action
• Excellent written and verbal communication, with strong negotiation skills and an ability to manage conflicting demands and viewpoints, and multiple stakeholder expectations
• Ability to work effectively within a team environment and to interact at all levels within a large organization
• Ability to prioritize, perform well under pressure and meet time sensitive deadlines
• Strong general PC Skills (Excel, Word and PowerPoint)

Responsibilities

• Provide full transactional support to Corporate Banking throughout the underwriting process which includes but is not limited to: credit requests (new credit, refinancing requests, extensions/renewals, material amendments/waivers, loan documentation reviews), KYC approval, drafting loan proposals for business and risk approvals, and cash management requests
• Review and approve specific draw down requests, develop expertise in assigned portfolio, policies and guidelines, and provide value added advice to internal partners
• Ensure compliance with Bank Policy, and participate in team deliverables with respect to regulatory/audit requests
• Review exposure under all single names, at least once a year, to ensure credit, trading, and transactional limits remain appropriate, and the risk remains acceptable
• Conduct thorough reviews of executed legal credit documentation to ensure credit agreement terms are correctly reflected in the Bank’s systems and that all credit documentation is accounted for and reviewed in a timely basis (e.g. credit agreements, amendments, waivers, security documents)
• Work closely and maintain positive relationships with Corporate Banking (CB), Group Risk Management (GRM), Funding and Lending Services, and Treasury & Cash Management
• Completion of ad-hoc projects (including regulatory and enterprise-wide initiatives by assisting partners with OSFI requests, Audit, and Fed Reviews) and other duties (including presenting to internal stakeholders on key credit and product policies) efficiently and effectively to support the team’s planned and unplanned demands.

Preferred Qualifications

• MBA or CPA, CFA professional designation (completed or near completion) or a post-graduate degree with a focus in business, accounting, economics, mathematics or other quantitative field would be an asset but is not required.