Roles and Responsibilities:

- Prepare the drafts of the annual Borrower Rating (BR) and annual Aircraft Finance Rating ("AFR") for airlines and lessors

- Spread financials of the airlines and lessors to be submitted along with the renewal format and analysis paper for the Annual Credit Review (ACR) described in the item above

- Support the ongoing monitoring of single names and portfolio

- Draft and develop cashflow forecast models to support recommendations

- Participate in credit due diligence as part of the portfolio review process, as well as in the onboarding of new clients and following key risk events.

- Finalization of papers following review by line managers.

- AFR analysis includes but is not limited to, Loan to Value analysis, facility updates/summary, loan outstanding update and underlying asset analysis.

- Ability to multi-task and manage ever-changing and sometimes conflicting priorities; ability to work with a high level of motivation and initiative;

- Quickly assess pertinent credit issues, raising salient points to the correct stakeholders and analyse the risk reward trade-off.

- Work diligently to develop technical skills and industry knowledge related to the role, working towards sectoral and/or jurisdictional expertise.

- Ensure accurate and timely compliance with internal rules and reporting procedures.

- Undertake specific country and industrial sector research and other project work as appropriate.

- Undertake any ad-hoc exercises/projects/reporting as assigned.

- Ensure that internal monitoring systems are kept up to date in all relevant areas

- Work with colleagues in the Credit functions to ensure an effective dialogue on risk related issues and to maintain a culture of cooperation.

- Elevate any potential issues to Senior Management at an early stage so that these can be dealt with appropriately.

- Undertake specific country and industrial sector research and other department/ bank-wide project work as appropriate.

- As directed support the development of other junior staff members assigned to the team.

Job Requirements:

- 5-6 years of experience in reviewing and writing counterparty credit analysis (inclusive of financial analysis, market standing, industry trends) of Airlines and/or Aircraft Lessors within a 1st or 2nd line of defense risk function.

- Credit experience working with IG and NIG counterparties.

- Aviation coverage (as outlined above) would be viewed favorably, albeit not mandatory, other asset-finance experience would also be beneficial.

- A strong quantitative background with a solid understanding of accounting and financial data analysis.

- A clear and concise business writing style reflecting a capacity to distil critical information from large data sources.

- Ability to conduct thorough due diligence and form a forward-looking view using cash flow modelling and stress testing.

- Willingness to learn credit, risk management of structured finance

- A good understanding of loan and ISDA/CSA documentation, market risk and key credit protections is beneficial.

Preferred:

- Experience in working with stakeholders in an overseas location

- Ability to communicate effectively and collaborate with colleagues across support functions and interact regularly with Sales/Trading revenue generators and clients

- Proficiency in using Microsoft Suite of applications with a focus on Excel, V-Lookups and Pivot Tables is important.