Credit Risk Structured Credit

Role Description

• Analyze credit risk of structured credit transactions within the Asset-Backed Lending, Lender Finance, Trade Finance, and certain other Private Credit products, primarily consisting of receivables / payables / inventory financing.
• Scope of work includes, but is not limited to, fundamental financial analysis, evaluation of deal structures, review of legal terms & conditions, and coordinating credit approval processes including senior-level briefings.
• The position will involve ownership of analyzing & assigning internal credit ratings, evaluating major risks & risk mitigants of new transactions and preparation of internal memorandums to document decision rationale.
• Propose structural changes for new & existing transactions as required to manage higher risk situations or those that are experiencing negative credit trends.
• Participate in and lead counterparty due diligence discussions via calls and on-site visits with clients’ or borrowers’ management teams.
• Provide feedback on structuring of key commercial / legal terms in conjunction with other control areas including Legal / Finance.
• Own & manage a portfolio of Investment Grade & Sub-Investment Grade credit exposures, including ensuring timely credit reviews, participation in periodic lender calls, and holistic portfolio reviews.
• Track developments in regulatory & industry-specific operating environments, and monitor counterparty credit profile or changes in external ratings. Ensure pro-active socialization and / or escalation of such developments as needed.
• Participate in various firm-wide projects within Risk and Business colleagues across regions, including regular and ad-hoc portfolio / limit reviews.
• Ability to mentor and support development of junior members of the team.

Skills, Experience, Qualifications and Knowledge Required

• Minimum 7 years of Credit Risk experience within credit risk covering structured credit products.
• Strong understanding of asset-based and other bespoke lending structures.
• Strong written & verbal communication skills, including experience in discussions with Senior Risk Management personnel and responses to regulatory requests.
• Ability to effectively manage due diligence processes and strong analytical skills with respect to borrower financial data and loan portfolio performance metrics.
• Strong familiarity with corporate financial statement analysis and credit risk metrics.
• Understanding credit and trading documentation (e.g. Credit Agreements, ISDAs) and experience negotiating credit terms for legal documentation a plus.
• Comfort interacting with the relevant business areas and coordinating between Risk Management areas and Front Office desks.
• Advising and / or assisting deal teams in a fast-paced, high-pressure environment with the ability to prioritize and complete tasks according to project needs.
• Leveraging effective business writing and verbal skills to drive consensus-building to achieve strong results.
• Bachelor’s degree in Accounting or Finance preferred.

Nomura Competencies

• Explore Insights & Vision: Identify the underlying causes of problems faced by you or your team and define a clear vision and direction for the future.
• Making Strategic Decisions: Evaluate all the options for resolving the problems and effectively prioritize actions or recommendations.
• Inspire Entrepreneurship in People: Inspire team members through effective communication of ideas and motivate them to actively enhance productivity.
• Elevate Organizational Capability: Engage proactively in professional development and enhance team productivity through the promotion of knowledge sharing.
• Inclusion: Foster a culture of inclusion and psychological safety in the workplace and cultivate a "Risk Culture" (Challenge, Escalate and Respect).