Credit Support Analyst

Role Overview: As a Credit Monitoring Analyst within the Commercial Bank team at Wholesale Lending Services, you will be responsible for assessing compliance with credit agreement terms for a designated portfolio of borrowers. Your role will involve interpreting financial and other covenants included in credit agreements to ascertain whether borrowers are adhering to the terms of the credit agreements or are in default. Your responsibilities will encompass both syndicated loans and bilateral agreements. Key Responsibilities: - Determine whether corporate borrowers have breached covenants, and as a result, have defaulted on the terms of their credit agreements - Interpret credit agreements and other legal documents to determine which co-borrowers, guarantors, and other parties to the agreements require set up in banks" system of record for future covenant compliance evaluation - Perform credit analysis, review documentation, and monitor ongoing compliance with financial covenants within an assigned portfolio of borrowers - Independently calculate cash flow and leverage ratios in accordance with specific terms laid out in credit agreements - Develop strong knowledge of secured lending products including borrowing base credit facilities - Determine the grid-based performance pricing that applies to the borrower so the bank gets adequately compensated for credit risk - Adhere to the quality control standards that have been set for the process and to service level agreements Wholesale Lending Services has with its internal business partners Qualification Required: - Bachelor's degree in business/accounting - Minimum 3 years of experience in banking and/or doing financial analysis - Experience in credit monitoring activities including but not limited to legal documentation review, financial covenants, credit analysis, cash flow and leverage ratio calculations - Ability to identify and summarize key points in written reviews of credit-related transactions - High proficiency in using MS Office tools including MS Excel - Understanding of loan products, including documentation, for revolving lines of credit, term loans, borrowing bases, etc. - Strong verbal & written communication to effectively communicate with various stakeholders and across levels - Ability to work independently with minimum supervision including demonstration of good time management,