Manager/AVP - US Corporates - Investment Grade (5-12 yrs)

- Active Credit Risk Management of Designated Customers under the Guidance of Senior Credit Risk Managers

- Manage a designated portfolio of US corporate credit customers.

- Perform due diligence and scheduled reviews regularly.

- Analyze credit risk of the designated portfolio, determine accurate ratings, and make recommendations of accurate and timely ratings to management with support from senior credit risk manager.

- Prepare detailed credit analysis and credit applications in accordance with Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, evaluating the borrower's industry / business/legal / financial risks and recommending extensions of credit to management.

- Basic cash flow modeling skills and understanding of assigned industries / industry sub-sectors are required, and maintain most updated knowledge on the industries through internal / external sources and direct communication with the customers.

- Able to understand and assess risk of standard bank products such as loans, stand-by LC, trade finance, forex, derivatives, and securitization.

- Maintain direct communication with assigned customers.

- Oversight of covenants compliance, facility due date, condition / instruction / report required.

- Responsible for coordinating and communicating account information to internal auditors and external regulators (e.g., FRB, FSA, BOJ, SNIC, OCC).

- Ongoing training to enhance the all-around skill sets of a credit risk manager.

- Perform other related functions as assigned.

Deal Support

- Work with business lines / product groups to identify prospective transactions.

- Identify structural risks and mitigants in prospective transactions and recommend / enhance structuring of deals and covenant in line with policies and procedures.

- Advise credit risk managers managers on credit risk issues, terms & conditions, to create the best possible deal with a goal of improving profit and minimizing credit cost with support from senior credit risk manager.

- Communicate with credit divisions with regard to rating rationale, facility structuring / exposures, and ensure credit divisions are furnished with all credit related information / analysis pertinent to making a decision.

Policy Compliance

- Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC).

- Ensure compliance with internal policy and procedures by understanding and adhering to Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, Manual, and any other applicable pronouncements.

Job Requirements/Qualification:

- Minimum of 5 years of working experience in financial institutions or equivalent, in accounting/financial analysis areas.

- Should have experience in credit analysis of corporates

- Strong financial modeling and analytical skills a must.

- Excellent communication skills (both oral and written).

- Master's degree required (major in accounting / finance / business preferred).

- MBA or CFA is a plus.

- Completion of formal credit training is a plus