Job Description

JOB DESCRIPTION

TITLE: Credit Risk Analyst

DEPARTMENT: RISK MANAGEMENT DEPARTMENT

LOCATION: NEW YORK BRANCH

FLSA STATUS: EXEMPT

JOB SUMMARY: The Credit Risk Analyst reports to the Head, Risk Management, and is responsible for analyzing credit data and financial information to determine risk associated with granting loans and credit to clients. The responsibilities for this role will include evaluating the financial status and credit repayment capability of potential credit customers and making suitable recommendations to the Head Enterprise Risk Management/Chief Credit & Compliance Officer on Credit Approval Memo (CAM) received from relationship managers in line with the credit policy/underwriting standards of the bank and all relevant regulatory provisions for informed credit decisions. The responsibility will also include providing credit training to the relationship managers to improve the credit underwriting and credit policy compliance standards of the bank.

ESSENTIAL FUNCTIONS & ACCOUNTABILITIES*

• Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and periodic due diligence reviews.
• Present analysis, findings, and recommendations to managers, especially findings

that involve a borrower’s ability to repay.

• Conduct independent evaluation of the Credit Risk Rating of credit obligors to confirm that it meets the minimum threshold required for the credit type.
• Liaising with the Group Credit Office for CAMs requiring Technical Input of the Group Executive Credit Committee (ECC)
• Build, maintain, and improve credit risk underwriting standards in the bank.
• Provide credit policy training to the relationship managers to improve the credit underwriting and policy compliance standards in the bank.
• Effective liaison with the credit underwriting/risk rating application provider of the bank to ensure the continuous proper functioning of the application with relevant upgrades as may be required.
• Support the preparation of committee materials and other reports related to the

Bank’s credit risk exposure/underwriting process

• Conduct periodic portfolio reviews, extract and present relevant learning points for credit policy improvement.
• Ensure the bank’s credit risk policies and processes are regularly updated to comply with regulatory guidance and execute credit processes as required by the credit policy
• Complies with all UBA America legal and regulatory requirements, adheres to the Branch’s Code of Conduct, attends regular periodic training on core Branch policies, and reports any known or suspected violations of the Code of Conduct to UBA America management.
• Any other non-conflicting risk management function as may be assigned by the Head Enterprise Risk or Chief Credit & Compliance Officer.
• Specific duties and responsibilities may vary based upon departmental and Branch needs. Other duties similar to the above and consistent with the knowledge, skills and abilities required for the position may be assigned

MINIMUM QUALIFICATIONS:

• Bachelor’s degree (or equivalent) with a concentration in finance, economics, statistics, mathematics, actuarial science, or a related field; advanced degree preferred
• 5+ years’ related credit experience including working knowledge of lending and underwriting practices
• Experience and ability to perform ongoing, independent financial analysis of borrowers to confirm willingness and capacity to repay in accordance with regulatory expectations for commercial lending.
• Strong oral and written communication skills
• Competency in Microsoft Word, Excel, and Access and Visual Basic
• Strong analytical and problem-solving skills
• Proven statistical, spreadsheet and simulation skills

* * *

UBA America is an Equal Opportunity Employer

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