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Credit Risk Management, Associate / VP

New York City, NY, USA | Goldman Sachs

  • Industry:
    Financial Services
  • Position Type:
  • Functions:
    Financial Services Professional
    Risk Management
  • Experience:
    7-10 years
Job Description:
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Assess the credit and financial strength of the firm's corporate borrowers and counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors

Review and approve loan transactions, determine appetite and regulatory ratings, monitor credit trends in the portfolio

Analyze the credit implications on corporate clients of various financial transactions including debt, equity and hybrid offerings, mergers and acquisitions, restructuring and share repurchases

Coordinate with Investment Banking/Financing group, Sales & Trading, Legal, Operations and Compliance departments to approve derivatives business and ensure appropriate documentation, limits and risk mitigants to protect against a counterpart default and minimize potential losses

Analyze the risks inherent in the products GS transacts, including lending, trading and derivative products

Perform sector analysis regularly in order to assess portfolio concentration or trends

Monitor, manage and report exposures at a counterpart, product and portfolio level

Basic Qualifications

Minimum of 7 years of credit risk management experience, with a background in corporate credit risk

Significant experience in investment banking products including loan products and derivatives

Demonstrable track record of independent decision making and the ability to steer client and business negotiations

Strong familiarity with regulatory rating requirements and application of such guidance

Strong documentation (loan and/or derivatives), analytical, presentational and communication skills required

Must be able to lead and motivate engaged and diverse deal team, providing guidance to and supervision of junior members of the team

Must be able to communicate at the most senior levels

Preferred Qualifications


Functional Expertise - Keeps up-to-date with emerging business, economic, and market trends

Technical Skills - Demonstrates strong technical skills required for the role, pays attention to details, takes initiative to broaden his/her knowledge and demonstrates appropriate financial/analytical skills

Drive and Motivation - Successfully handles multiple tasks, takes initiative to improve his/her own performance, works intensely towards extremely challenging goals and persists in the face of obstacles or setbacks

Client and Business Focus - Effectively handles difficult requests, builds trusting, long-term relationships with clients, helps the client to identify/define needs and manages client/business expectations

Teamwork – Gives evidence of being a strong team player, collaborates with others within and across teams, encourages other team members to participate and contribute and acknowledges others' contributions

Communication Skills - Communicates what is relevant and important in a clear and concise manner, shares information/new ideas with others, and demonstrates judgment to escalate as appropriate

Judgment and Problem Solving - Thinks ahead, anticipates questions, plans for contingencies, finds alternative solutions and identifies clear objectives. Sees the big picture and effectively analyzes complex issues

Creativity/Innovation - Looks for new ways to improve current processes and develop creative solutions that are grounded in reality and have practical value

Influencing Outcomes - Presents sound, persuasive rationale for ideas or opinions. Takes a position on issues and influences others' opinions by presenting persuasive recommendations

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