Credit Officer (TD75)
Markets & International Banking - Stamford, CT

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The role involves working closely with Relationship Bankers, Client Management, Product teams and other Credit officers to pro-actively ascertain the risk on potential and existing credit exposure, setting desired credit appetites, identifying developing risks in existing exposures, assisting in the structuring of credit exposures and making recommendations to the ultimate approvers.

§ Calculate and recommend risk ratings for credit counterparties.

§ Perform financial analysis including forecast models, scenario analysis and stress testing for a wide variety of companies and transactions.

§ Research, monitor and analyze the ongoing performance of existing clients, transactions and supported sectors. Participate in due diligence and customer meetings.

§ Prepare reports, portfolio analysis and maintain data integrity.

§ Assist with the analysis of proposed transactions and annual reassessments and make recommendations to credit approvers.

§ Manage multiple tasks and projects across numerous companies and sectors.

BA or BS degree with focus on business, finance or economics and/or relevant work experience in a risk function.

Working knowledge of Excel and financial modelling.

Ability to understand and identify key areas of risk on complex and structured credit transactions.

Good communication skills.

Prefer prior experience in the Technology, Media, Telecom industries.

"It is the policy of The Royal Bank of Scotland, PLC to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws."