Risk, Credit Risk - Asset Finance, London, Analyst
Credit Risk (CR) is responsible for managing the firm's credit exposure to its trading and lending counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparts is managed within the firm's risk appetite.Credit professionals work closely with many areas of the firm. Given this structure, CR professionals gain diverse financial experience and a broad perspective on how the entire firm functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied, and multi-dimensional work environment.
RESPONSIBILITIES
Risk underwriting asset-based financing (e.g. loans secured discrete commercial real estate mortgage transactions, auto or loan portfolio warehousing and other collateral), including review of transactions, participate in approval process, and make recommendation of appetite
Conducting in-depth analysis to assess the credit and financial strength of borrowers and counterparts in the REIT/Corporate Real Estate sector by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Review derivative and funding transactions while ensuring appropriate documentation and risk mitigants to protect against default and minimize potential losses
Identify and escalate notable industry and performance trends and recommend appropriate action to senior team members
Monitor the performance of counterparties in the portfolio, including adherence to covenants and analyzing the counterparties' performance relative to budget and/or underwriting expectations
Support Credit Risk management senior leadership with analysis, reporting and presentations
Coordinate with global colleagues in GS Risk teams as well as with other divisions, including Asset & Wealth Management, Global Banking & Markets, Controllers, Legal and Operations
SKILLS AND RELEVANT EXPERIENCE
Bachelor's degree, 1- 3 years of experience
Strong willingness to learn in fast paced, team-based environment with a positive attitude required
Strong interest and familiarity with finance, financial markets, and economic developments. Knowledge of credit risk, financial & equity markets, Structured Finance and/or Commercial Real Estate Financing is beneficial
Strong analytical, communication, and organizational skills required
Attention to detail, curious, motivated, self-starter, flexible and quick learner
Team player with an ability to work effectively with colleagues in other regional offices
Strong organizational skills and the ability to manage multiple assignments concurrently