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For Companies At a Glance
- Tasks: Analyse corporate credit risk and support financial transactions with a dynamic team.
- Company: Join Goldman Sachs, a leading global investment banking firm.
- Benefits: Diverse opportunities for growth, wellness programs, and a supportive work culture.
- Why this job: Make an impact in risk management while developing valuable professional skills.
- Qualifications: Experience in credit risk management and strong analytical skills required.
- Other info: Collaborative environment with a focus on diversity and inclusion.
The predicted salary is between 36000 - 60000 £ per year.
The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. Corporate Credit Risk manages a portfolio of corporate lending and derivatives trading clients and ensures best in class execution of transactions and ongoing portfolio management.
Your Impact
We are looking for a highly motivated individual who is able to deliver credit risk analysis on corporate transactions, on the basis of a thorough understanding of credit fundamentals, of leveraged capital structures and of risks associated with lending and derivatives products. You will be responsible, from a Credit Risk standpoint, for a portfolio of EMEA Corporate clients, and you will be expected to manage it on the basis of a deep understanding of credit fundamentals, market trends, impact of changing regulation requirements and risks associated with lending and derivatives products transactions.
Our Impact
The Risk Division is a team of specialists charged with managing the firm's risk, and providing the overall financial control and reporting functions. Whether assessing the creditworthiness of the firm's counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm's success. The division is ideal for collaborative individuals who have strong ethics and attention to detail.
Credit Risk works closely with the CRO / senior management to manage Goldman Sachs' credit risk. Credit professionals protect the firm's capital by using in-depth knowledge of our clients, markets, and trading products to make decisions on acceptable level of firm's risk appetite. Staffed with 300 professionals, Credit Risk operates through 11 different offices around the world. Credit Risk provides a unique opportunity to develop a variety of professional skills and expertise in risk management while working on financial transactions.
Responsibilities
- Assist in assessing the credit and financial strength of the firm's corporate borrowers and counterparts by performing fundamental credit analysis using both quantitative and qualitative factors.
- Support the review of lending and underwriting transactions, contributing to the determination of risk appetite and regulatory ratings, by analysing cash flow projections and key documentation protection.
- Contribute to regular sector analysis to help assess portfolio concentrations or trends.
- Collaborate with Investment Banking/Financing group, Sales & Trading, Legal, Operations, and Compliance departments to support the approval of derivatives business and ensure appropriate documentation, limits, and risk mitigants to protect against counterpart default and minimize potential losses.
- Analyse the risks inherent in the products transacted by the firm, including lending, trading, and derivative products.
- Support the management of relationships with other areas of the firm, including Investment Banking, Asset Management, Global Markets, Controllers, Treasury, Legal, Compliance, and Technology.
Basic Qualifications
- Minimum of 3 years of credit risk management experience, with a background in corporate credit risk.
- Experience in investment banking products including loan products and derivatives.
- Demonstrable ability to contribute to independent decision-making processes and support client and business negotiations.
- Familiarity with regulatory rating requirements and application of such guidance.
- Strong documentation (loan and/or derivatives), analytical, presentational, and communication skills required.
- Ability to work effectively within a diverse deal team, taking guidance from and supporting senior members of the team.
- Ability to communicate clearly and concisely within the firm.
Competencies
- Functional Expertise - Actively learns and keeps up-to-date with relevant business, economic, and market trends.
- Technical Skills - Demonstrates foundational technical skills required for the role, pays attention to details, and takes initiative to broaden knowledge and apply financial/analytical skills.
- Drive and Motivation - Successfully handles multiple tasks, takes initiative to improve performance, works diligently towards challenging goals, and persists in the face of obstacles or setbacks.
- Client and Business Focus - Effectively responds to requests, builds trusting relationships with colleagues and clients, helps identify/define needs, and manages expectations.
- Teamwork – Gives evidence of being a strong team player, collaborates with others within and across teams, encourages other team members, and acknowledges contributions.
- Communication Skills - Communicates relevant information in a clear and concise manner, shares information/new ideas, and escalates issues appropriately.
- Judgment and Problem Solving - Thinks ahead, anticipates questions, plans for contingencies, seeks alternative solutions, and identifies clear objectives. Analyse complex issues.
- Creativity/Innovation - Looks for new ways to improve current processes and develops creative solutions that are practical.
About Goldman Sachs
At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.
We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers.
We're committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process.
Risk, Corporate Credit Risk, Analyst, London employer: Goldman Sachs
Contact Detail:
Goldman Sachs Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Risk, Corporate Credit Risk, Analyst, London
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, especially those at Goldman Sachs. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for interviews by diving deep into credit risk topics. Brush up on your knowledge of corporate lending and derivatives. The more you know, the more confident you'll feel when discussing your expertise.
✨Tip Number 3
Showcase your analytical skills during interviews. Be ready to discuss how you've tackled complex credit risk scenarios in the past. Real-life examples will make you stand out!
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you're serious about joining the team at Goldman Sachs.
We think you need these skills to ace Risk, Corporate Credit Risk, Analyst, London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the role of Risk Analyst. Highlight your experience in credit risk management and any relevant investment banking products you've worked with. We want to see how your skills align with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about corporate credit risk and how your background makes you a great fit for our team. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills: In your application, don’t forget to showcase your analytical skills. Mention specific examples where you've successfully assessed creditworthiness or managed risk. We’re all about those details that demonstrate your expertise!
Apply Through Our Website: We encourage you to apply through our website for the best chance of getting noticed. It’s super easy and ensures your application goes directly to us. Plus, you’ll find all the info you need about the role right there!
How to prepare for a job interview at Goldman Sachs
✨Know Your Credit Fundamentals
Make sure you brush up on your understanding of credit fundamentals, especially as they relate to corporate lending and derivatives. Be prepared to discuss how these concepts apply to real-world scenarios, as this will show your depth of knowledge and analytical skills.
✨Stay Updated on Market Trends
Familiarise yourself with current market trends and regulatory changes that impact credit risk. Being able to discuss recent developments will demonstrate your proactive approach and commitment to staying informed in the field.
✨Prepare for Technical Questions
Expect technical questions related to credit risk management and investment banking products. Practise articulating your thought process when analysing cash flow projections or assessing portfolio concentrations, as this will showcase your analytical abilities.
✨Showcase Your Teamwork Skills
Since collaboration is key in this role, be ready to share examples of how you've worked effectively within diverse teams. Highlight your ability to communicate clearly and support senior members, as this will reflect your fit within the firm's culture.
