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MORE ABOUT THIS JOB The Risk Division is a team of specialists charged with managing the firm's credit, market, liquidity, and operational risk. 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 (CR) is responsible for managing the firm's credit exposure to its trading and lending counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparts is managed within the firm's risk appetite. Staffed with more than 400 professionals, CR operates through 12 different offices around the world and credit professionals work closely with many areas of the firm. Given this structure, CR professionals gain diverse financial experience and a broad perspective on how the entire firm functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied and multi-dimensional work environment
At Goldman Sachs, our culture is one of teamwork, innovation and meritocracy. We often say our people are our greatest asset and we take pride in supporting each colleague both professionally and personally. From collaborative work spaces and mindfulness classes to working from home and flexible work options, we offer our people the support they need to reach their goals in and outside the office.
RESPONSIBILITIES AND QUALIFICATIONS RESPONSIBILITIES
Assess the credit and financial strength of the firm's corporate borrowers and counterparts by performing fundamental credit analysis using both quantitative and qualitative factor
Review lending and underwriting transactions, determine risk appetite and regulatory ratings, having developed an independent view of cash flow projections and of key documentation protection
Perform sector analysis regularly in order to assess portfolio concentrations or trend
Monitor credit trends in the portfolio, perform distressed analysis and estimate potential impairment
Interact with the Investment Banking, Merchant Banking and Fixed Income divisions on transactional approvals and actively participate in credit committee
Make recommendations for setting limits for overall risk appetite
Report risk information to senior management and ongoing portfolio management of companies within Corporate sector
Develop and manage relationships with other areas of the firm, including Investment Banking, Sales & Trading, Operations, Controllers, Treasury, Legal, Compliance and Technology
Degree in Economics / Finance / Business related discipline or relevant work experience
Strong interest and familiarity with corporate finance, financial markets and economic developments
4+ years of credit risk management experience, with a background in corporate credit risk
Experience assessing credit worthiness and providing risk assessment
Strong familiarity with regulatory rating requirements and application of such guidance
Previous experience of credit analysis and transaction approval for corporates
Strong analytical and quantitative skills
Strong written and verbal communication skills
Ability to work under pressure and to meet deadlines
Ability to work flexibly as part of multiple teams and autonomously
Ability to juggle changing priorities and a varied workload
ABOUT GOLDMAN SACHS 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. Learn more: https:// www.goldmansachs.com/careers/footer/disability-statement.html