Credit Analyst III - Global Wealth & Investment Management
On-site · Charlotte, North Carolina, United States
Job Summary
Credit Analyst III proactively manages the credit risk of a GWIM portfolio by performing covenant testing and monitoring client compliance with reporting requirements and financial covenants. Responsibilities include setting up financial reporting and covenants in GMS after loan closings, conducting covenant testing within established timeframes, advising on waivers or amendments to address credit or operational risk, and assisting in the resolution of covenant failures. The role involves managing multiple tasks, pulling financial reporting from loan documentation, and maintaining effective relationships with client teams and internal partners. Requires strong knowledge of commercial loan structures, financial statement analysis, and experience with systems such as GMS, SharePoint, and Adobe Acrobat. Shift is 1st shift in the United States with a 40-hour work week.
Required Qualifications
- 3 + yrs of credit analysis or a closely related credit risk role, including financial covenant testing and ability to interpret and apply Commercial credit agreement terminology and concepts
- 2+ years of credit analysis experience with Commercial credit policies and procedures
- Proficient in interpreting various Commercial loan documents including credit agreement and amendments, setting up financial reporting and covenant requirements in systems such as GMS
- Experienced in managing compliance workflows and covenant breaches in a timely fashion and mitigating covenant risk
- Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure
- Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat
- Bachelor’s degree in Accounting, Finance or equivalent experience
- System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint, KYC, Adobe Acrobat Standard Skills
- Attention to Detail
- Client Management
- Decision Making
- Underwriting
- Credit Documentation
- Requirements
- Critical Thinking
- Portfolio Management
- Problem Solving
- Written Communications
- Financial Analysis
- Negotiation
Desired Qualifications
- Bachelor’s degree in Accounting, Finance or equivalent experience
- 3+ years of credit analysis or a closely related credit risk role, including financial covenant testing
- 2+ years of credit analysis experience with Commercial credit policies and procedures
- Proficient in interpreting various Commercial loan documents including credit agreement and amendments, setting up financial reporting and covenant requirements in systems such as GMS
- Experience in managing compliance workflows and covenant breaches in a timely fashion and mitigating covenant risk
- Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements
- Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat
- Bachelor’s degree in Accounting, Finance or equivalent experience
- System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint, KYC, Adobe Acrobat Standard Skills
- Attention to Detail
- Client Management
- Decision Making
- Underwriting
- Credit Documentation
- Requirements
- Critical Thinking
- Portfolio Management
- Problem Solving
- Written Communications
- Financial Analysis
- Negotiation
- Location: Charlotte, NC (implied)
- Experience with covenant testing and loan document setups in GMS
- Understanding of financial covenants and waivers/amendments process
- Shift: 1st shift (United States of America)
- Hours Per Week: 40
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