DescriptionJoin a team where your expertise drives financial integrity and career growth. Make a meaningful impact by ensuring our lending services remain robust and compliant. Develop your skills in a collaborative environment that values innovation and excellence. Advance your career with opportunities for mobility and professional development. Be part of a company that invests in your success.
Job Summary
As a Credit Monitoring Analyst within Wholesale Lending Services, you assess compliance with credit agreement terms for a diverse portfolio of borrowers. You interpret financial covenants and ensure borrowers meet their obligations, helping maintain the strength and reputation of our lending operations. You work closely with colleagues across teams, contributing to a culture of accuracy, risk discipline, and continuous improvement. Your role is vital in supporting our business partners and upholding our commitment to responsible lending.
Additional Summary Paragraph
You will gain exposure to a variety of secured lending products, including syndicated and bilateral loans, and develop expertise in credit risk assessment. Our team supports multiple business lines, offering you the chance to broaden your knowledge and collaborate with professionals in risk, credit, and operations. Your contributions help ensure our processes meet the highest standards of quality and compliance.
Job Responsibilities
- Set up reporting requirements and financial covenants in new credit agreements and related documents
- Translate legal and structural terms into operational and monitoring requirements
- Conduct periodic reviews and continuous monitoring of borrower financial covenants and collateral
- Interpret complex credit agreements and legal documents to identify parties for compliance evaluation
- Review documentation and monitor ongoing compliance with financial covenants
- Independently calculate cash flow, leverage ratios, and covenant values per agreement terms
- Perform detailed borrowing base calculations and reconciliations for secured lending cases
- Validate collateral documentation such as accounts receivable aging and inventory listings
- Compare executed credit agreements to approvals and term sheets, reporting discrepancies
- Adhere to quality control standards and service level agreements with business partners
- Partner with risk, credit, and operations teams to resolve documentation discrepancies
Required Qualifications, Capabilities, and Skills
- Bachelor’s degree in business or accounting
- Three years of experience in credit monitoring, credit administration, credit review, or loan operations in banking
- Proven experience reviewing and interpreting credit agreements and syndicated loan structures
- Strong knowledge of facility types, including revolvers, term loans, letters of credit, bridge loans, and asset-based structures
- Working knowledge of asset-based lending, real estate banking, and security valuation
- Understanding of loan products and documentation for revolving lines of credit, term loans, and borrowing bases
- Excellent attention to detail, accuracy, and risk discipline
- Strong verbal and written communication skills for stakeholder engagement
- Ability to work independently with minimal supervision and demonstrate good time management
- High proficiency in MS Office tools, including MS Excel
Preferred Qualifications, Capabilities, and Skills
- Desire to develop expertise in assessing credit risk for real estate developers and investors
- Experience with opportunity and investment funds
- Ability to identify and summarize key points in credit-related transactions
- Experience in secured lending product analysis
- Strong analytical and problem-solving skills
- Ability to adapt to changing priorities and business needs
- Collaborative mindset and willingness to support team goals
Required or Additional Information
- Visa sponsorship is not available for this position.
- Work schedules will be full-time in office, on a 40-hour per week schedule.