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What are the job responsibilities
Goldman IBD, SocGen IBD, Goldman private bank, commercial bank relationship manager roles, corporate finance/treasury roles, Highland Capital S&T, and Fortress RE.
Credit Analysts perform intensive qualitative and quantitative due diligence on industry and company factors. Analysts are called on to:
-Participate in the structuring, underwriting and documentation of credit facilities designed to meet both client and investor needs as well as balance the bank's internal risk/return requirements -Research, write and present financial and industry analyses in support of company specific and portfolio level decisions -Evaluate transaction and relationship risk-adjusted profitability to facilitate the allocation of capital -Monitor all elements of the bank's credit exposure to its clients across its international network, including periodically reassessing internally assigned risk ratings -Manage credit exposure associated with the bank's broad range of products including Leasing, Commodities/Foreign Exchange, Derivatives, Treasury Management, Receivable Securitization Conduits, etc.
The investor never sees our credit memos so our analysis doesn't directly meet his needs. Also, the bank is going to give the client what it asks for pretty much no matter what, and the credit memo is really just to make the client sound like a strong obligor. In terms of risk/return requirements, if the client is not using its revolver, but we have strong ancillary business like trading revenue or M&A fees, the bank will continue to participate in the syndicated facility. If the customer has no other business with the bank and is not using the line, we'll cancel the relationship. Most of the revolving lines in the department I'm in within FIG are barely drawn on and are used as a backstop for commercial paper and are viewed as backup liquidity that helps for regulatory reasons.
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