Corporate Credit Risk Advisor

vor 4 Wochen


Frankfurt am Main, Hessen, Deutschland Goldman Sachs Vollzeit
RISK MANAGEMENT
The Risk Management division plays a pivotal role in identifying, assessing, and mitigating both anticipated and unforeseen risks that may adversely affect the organization. Professionals in this field are tasked with essential daily risk oversight, project management, and the continuous improvement of a robust risk management framework. Effective collaboration with senior leadership, various business units, compliance teams, and technology is vital for achieving desired outcomes.

CREDIT RISK MANAGEMENT
The Credit Risk team is responsible for overseeing the organization's credit exposure to its trading and lending partners. Experts in this area protect the firm's financial resources by leveraging their skills in financial assessment of clients, markets, and products to inform risk-related decisions. A career in Credit Risk offers an excellent opportunity to cultivate a diverse skill set and gain comprehensive insights into the organization's operations while engaging in financial transactions. The role encourages collaboration across departments and participation in a variety of projects, creating a dynamic and multifaceted work environment. This position is ideal for individuals who are collaborative, curious, ethical, and detail-oriented.KEY RESPONSIBILITIES
  • Evaluate the creditworthiness and financial stability of corporate borrowers and counterparties through thorough credit assessments utilizing both quantitative and qualitative metrics.
  • Analyze lending and underwriting activities, establish risk tolerance levels, and provide independent evaluations of cash flow forecasts and key documentation safeguards.
  • Conduct regular sector analyses to monitor portfolio concentrations and emerging trends.
  • Work in conjunction with Investment Banking, Sales & Trading, Legal, Operations, and Compliance teams to validate derivatives transactions, ensuring appropriate documentation, limits, and risk management protocols to mitigate counterparty default risks and minimize potential losses.
  • Assess the inherent risks associated with the products the organization engages with, including lending, trading, and derivatives.
  • Build and maintain relationships with various internal departments, such as Global Banking & Markets, Asset & Wealth Management, Controllers, Treasury, Legal, Compliance, and Technology.
EXPERIENCE & QUALIFICATIONS
  • A minimum of 5 years of experience in credit risk management, ideally with a focus on corporate credit.
  • In-depth experience with investment banking products, including loans and derivatives.
  • Proven ability to make independent decisions and effectively navigate client and business negotiations.
  • Comprehensive understanding of regulatory rating standards and their practical applications.
  • Strong capabilities in documentation (loans and/or derivatives), analysis, presentation, and communication.
  • Ability to lead and inspire a diverse team, providing mentorship and guidance to junior colleagues.
  • Effective communication skills at senior management levels.
CORE COMPETENCIES
  • Functional Expertise - Keeps abreast of emerging business, economic, and market developments.
  • Technical Skills - Exhibits strong technical abilities essential for the role, pays attention to detail, actively seeks to expand knowledge, and demonstrates appropriate financial and analytical skills.
  • Drive and Motivation - Effectively manages multiple responsibilities, takes initiative to improve personal performance, pursues challenging objectives, and remains resilient in the face of challenges.
  • Client and Business Focus - Skillfully addresses complex requests, builds long-term trust-based relationships with clients, identifies and defines client needs, and manages client expectations.
  • Team Collaboration - Demonstrates strong teamwork abilities, collaborates effectively with team members across various functions, fosters team engagement, and recognizes team contributions.
  • Communication Skills - Clearly and concisely conveys relevant information, shares ideas with others, and exercises sound judgment in escalating issues as necessary.
  • Judgment and Problem Solving - Anticipates future scenarios, prepares for contingencies, identifies alternative solutions, sets clear objectives, evaluates complex issues effectively, and adopts a holistic approach.
  • Creativity and Innovation - Seeks innovative methods to enhance existing processes, develops creative solutions grounded in practicality, and provides tangible value.
ABOUT GOLDMAN SACHS
Goldman Sachs is committed to leveraging our resources, expertise, and creativity to support our clients, shareholders, and communities in their growth. As a leading global investment banking, securities, and investment management firm, we pride ourselves on our diverse and inclusive culture. We believe that the unique contributions of each individual enhance our overall performance. Our commitment to diversity and inclusion is reflected in our dedication to providing opportunities for personal and professional development. We offer a comprehensive range of training programs, benefits, wellness initiatives, and personal finance options to ensure a fulfilling experience for our employees.

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