Analyst Portfolio Credit Monitoring

New York, New York, United States Confidential Client

3 - 12 years of experience in the credit transaction life cycle, with a strong understanding of credit products, exposures and limit management process, documentation and credit assessment, covenant monitoring, and early warning indicators (EWI) monitoring

Support credit risk function of global banks in effective monitoring of EWI, covenants and exposure limits. The identified associate will provide execution support for Portfolio Credit Management & Limit Monitoring processes:

• Implementation support of Early Warning Indicator (EWI) Monitoring platform; identify and monitor appropriate red flags in advance
• Support in implementation of the EWI platform to different segments of the assigned portfolio and monitor the EWI triggers daily
• Assess EWIs at various levels of granularity for timely corrective action
• Validate the relevancy/materiality of triggers, identify false positives and flag off true positive alerts and accordingly assess effectiveness of alerts generated by the system
• Highlight true trigger breaches to the accountable stakeholders for actioning and follow-up to completion
• Prepare analytical short notes on the underlying drivers for EWI trigger breaches
• Leverage domain and industry experience to provide feedback on EWI thresholds (financials, sentiments, macro data, market indicators, industry data, ESG, internal data) and suggest recalibration of thresholds
• Understand the evolving regulatory environment to suggest requisite amendments
• Provide effective execution for limit / covenant monitoring and portfolio management process
• Understand existing framework, policies, and acceptable thresholds for undertaking monitoring of credit limits and covenants
• Understand existing covenant terms and technicalities from credit agreement and any subsequent amendments, required step‑ups/downs and waivers and apply changes as deemed fit to existing systems
• Track accurate actual reported levels (covenants/ exposure limits), validate and identify/report breaches against established thresholds/ internal policies
• Escalate discrepancies to team lead and relevant stakeholders

• CA/MBA Finance/CFA/FRM
• Should have 5 to 12 years of experience in credit risk function
• Associate with Credit Officer/Analyst background in wholesale lending is strongly preferred
• Credit risk, approval/ monitoring experience, gained either through industry or within a consulting environment;
  Corporate, commercial/ SME or IB experience
• Experience with high yield and impaired credits;
  Knowledge/ experience of multiple credit products (e.g. TL, RCF, cap markets, derivatives etc.). Good understanding of wholesale lending and different sector dynamics risk indicators
• Should be familiar with credit monitoring process from an EWI perspective
• Willingness to dig deep into data, and build additional insights into the credit portfolio
• Reporting skills in tools such as Tableau, SQL, Python, BI Power etc.
• Excellent communication skills in English (verbal and written); knowledge of Spanish, Polish or Chinese would be an added advantage
• Independent and decisive mindset; good analytical and problem‑solving skills; a structured working style with passion for deep diving into problems
• Ability to work on tight deadlines
• Good written and oral communication skills