Are you ready to make a significant impact in the world of finance and wealth management? Join our dynamic team as a Credit Analyst, where you will be at the forefront of managing and monitoring credit and counterparty risks.
As a Credit Analyst within our Credit Risk Team, you will play a pivotal role in evaluating and managing credit risks for high net worth and ultra-high net worth clients within Wealth Management. Your responsibilities will include assessing consumer and business credit requests by analyzing financial statements, credit reports, and other relevant data to determine risk levels and compliance with regulatory standards.
Job responsibilities :
* Evaluate WM consumer and business purpose credit requests utilizing applicable Credit Risk Policies and Guidelines.
* Analyze business / entity / personal financial statements, public information sources, credit reports, and other relevant information to calculate cash flow and balance sheet ratios. Utilize these ratios and evaluate other qualitative factors to determine a client's risk of default following Morgan Wholesale Risk Grading Methodology, applying Basel III standards for regulatory risk grading requirements, and any other applicable policies or regulations.
* Understand and clearly articulate geo-political risks and jurisdictional issues that impact our domestic and cross-border clients. Engage in regular dialogue with Front Office to obtain required information critical to making a loan. Negotiate loan structure and terms when necessary, and provide alternative solutions when appropriate.
* Escalate credit issues to Credit Executive or senior management as appropriate, and provide solutions and/or next steps for resolution. Manage portfolios and ensure proper escalation within respective markets to maintain credit risk levels.
* Work with Credit Platform Services to ensure a seamless and timely delivery of credit approval to the client, while maintaining a strict regulatory and control environment.
* Participate in innovation, policy/guideline review, control activities, legal entity activities, and process improvements. Special projects will be assigned as appropriate.
* Mentor less experienced Credit Analysts and Support Partners, as well as other WM staff.
Required qualifications, capabilities, and skills
* Strong computer skills including Microsoft Excel, Word, and PowerPoint.
* Strong analytical and organizational skills, problem-solving capabilities, good communication skills, and attention to detail.
* Ability to work with individuals at all levels and contribute to the strategic direction of the firm and team.
* Commitment to customer service and teamwork to contribute to high-performing teams through self and others' development.
* Ability to work in a high-volume environment while meeting targets for volume, timing, and quality.
About Us
Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals, and institutional investors. Our approach emphasizes first-class service and building trusted, long-term partnerships to help clients achieve their objectives.
We value diversity and inclusion, and are an equal opportunity employer. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, gender identity, age, marital or veteran status, pregnancy, disability, or any other protected attribute. We also accommodate religious practices and disability needs. Visit our FAQs for more information about requesting accommodations.
About the Team
Morgan Asset & Wealth Management provides investment management and private banking solutions. Asset Management offers strategies across asset classes through our global network. Wealth Management assists individuals and families in managing and realizing their financial goals.
Risk Management helps the firm understand and manage risks, including country-specific risks, regulatory changes, and creditworthiness, providing independent oversight and maintaining effective controls.
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