Senior Credit Analyst

DEPARTMENT DESCRIPTION

Global Banking and Advisory (GLBA) combines wholesale coverage with world-class product financing and advisory expertise within one team.

GLBA Overview: We provide our issuer clients (corporates, financial institutions, public sector) with capital raising solutions, along with structured financing and commodities, forex, and interest rate hedging. Developing tailor-made products and providing strategic advice (capital structure advisory, financing schemes and capital markets) based on our worldwide expertise and in-depth sectorial knowledge, we aim to meet their financing needs. We are a top player across euro debt capital markets and won many international accolades over the years as a worldwide leader in export, project and natural resources & energy finance.

Credit Portfolio Management (“CPM”) Overview: CPM Manages the assets held across GLBA. CPM has three verticals: (i) corporates (investment grade and non-investment grade), (ii) real assets (real estate, energy, infrastructure, etc.) and (iii) financial assets (capital call facilities, middle market lending, etc.). CPM actively manages the portfolio of GLBA to maximize profitability and contribute to investment banking idea generation across M&A, ECM and Leveraged Finance for new transactions. We approve all transactions that enter the portfolio and actively work with investors to support the distribution of the portfolio across asset classes.

RESPONSIBILITIES INCLUDE THE FOLLOWING:

• Manage a portfolio of large North American corporate clients in designated sector [TBD].

• Prepare high quality credit applications and annual reviews on assigned portfolio, recommend appropriate credit limits, terms and conditions. This includes financial statements analysis (P&L, BS, and CF), a review of the client’s strategy, its business risk, industry dynamics, competitive environment;

• Prepare and review financial projections, determine debt repayment capability as well as assure compliance with SGUS Credit Policies;

• Propose and update Obligor Risk Ratings;

• Actively follow and analyze credit risks (covenant compliance follow up, Unlikely-To-Pay events management, reporting of financial ratios and other key metrics, etc.)

• Review all relevant legal documentation (i.e. credit agreements, Guarantee, ISDA, CSA) and propose changes as necessary to comply with SGUS policies;

• Contribute to CPM mission on capital efficiency, asset rotation, portfolio hedging and profitability optimization;

• Liaise with other CPM teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department;

• The responsibilities and duties associated with this role may evolve over time to meet changing business needs and the ongoing development of the position.