IF - Credit Factory - Associate

Most desired skills bolded

A career in our Balance Sheet Management practice within Financial Risk and Regulatory services will provide you with the opportunity to help business leaders embed a proactive and dynamic risk management capability and mind set into their corporate business practices. From strategy through to implementation we help put in place people processes and technology so they can leverage financial risk management to identify new opportunities and pursue success as smoothly systematically and sustainably as possible in the face of changing markets technologies and competition.

Our team provides our clients with gap assessments as well as design and implement processes to facilitate asset and liability management funding and liquidity planning and stress testing and capital management. Youll help build tools that enable our clients to efficiently utilize capital and liquidity resources consistent with regulatory expectations.

To really stand out and make us fit for the future in a constantly changing world each and every one of us at PwC needs to be a purposeled and valuesdriven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines geographies and career paths and provides transparency on the skills we need as individuals to be successful and progress in our careers now and in the future.

As an Associate youll work as part of a team of problem solvers helping to solve complex business issues from strategy to . PwC Professional skills and responsibilities for this management level include but are not limited to:

• Use feedback and reflection to develop self awareness personal strengths and address development areas.

• Delegate to others to provide stretch opportunities coaching them to deliver results.

• Demonstrate critical thinking and the ability to bring order to unstructured problems.

• Use a broad range of tools and techniques to extract insights from current industry or sector trends.

• Review your work and that of others for quality accuracy and relevance.

• Know how and when to use tools available for a given situation and can explain the reasons for this choice.

• Seek and embrace opportunities which give exposure to different situations environments and perspectives.

• Use straightforward communication in a structured way when influencing and connecting with others.

• Able to read situations and modify behavior to build quality relationships.

• Uphold the firms code of ethics and business conduct.

As a member of the Risk & Regulatory Advisory team you will advise financial institutions on a broad range of credit risk management topics including organization and governance; credit process optimization; risk rating model design build and implementation; and Current Expected Credit Losses (CECL) process and tools. You will work on a team evaluating designing and implementing credit risk strategies to support our clients in addressing key market challenges focused on credit risk.

Job Requirements and Preferences:

Basic Qualifications:

Minimum Degree Required:
Bachelor Degree

Minimum Years of Experience:
13 year(s)

Preferred Qualifications:

Degree Preferred:
Master Degree

Preferred Fields of Study:
Business Administration/Management Mathematics Statistics Finance Accounting Economics

Demonstrates a thorough level of abilities and/or a proven record of success in how to lead or facilitate relevant project management or client consultations in the areas of creditrelated activities and credit risk management preferably in some combination of the following areas:

• Collaborating and/or playing a significant role in commercial and retail lending and credit process redesign initiatives such as streamlining credit approval processes (including artificial intelligence) better aligning deal team and delivery to client segmentation schemes implementing credit process redesign initiatives (e.g. target operating model for credit lifecycle) redesigning risk management organization or functional responsibilities enhancing loan review processes and/or enhancing loss mitigation/recovery processes;

• Familiarity with conducting credit risk processes performing underwriting credit analysis and assigning risk ratings (e.g. single and dual risk rating frameworks) writing and reviewing risk management policies and procedures 1st and 2nd line of defense experience;

• Developing applying and validating commercial and retail credit risk methodologies including obligor and facility risk rating (e.g. PD LGD EAD) models pricing models etc.;

• Creating and executing design and application of commercial and retail credit risk reporting and analytics in a financial services organization;

• Selecting implementing and/or using commercial and retail credit risk workflow analytic tools e.g. Moodys S&P nCino and/or reporting technologies.

• Possessing familiarity with commercial and retail credit regulatory guidance covering CECL credit risk review systems underwriting/annual reviews; and

• Possessing completion of a formal credit training program.

Demonstrates a thorough level of abilities and/or a proven record of success with designing and implementing process improvement solutions leveraging PC applications including MS Office (Word Excel Access PowerPoint) where applicable including:

• Leveraging knowhow of a wide range of commercial and retail loan types including C&I CRE ABL Leasing Project Finance Leveraged Lending fund financing etc.;

• Operating successfully as both an individual contributor and team member identifying and addressing client needs. Preparing coordinating and delivering complex written and verbal materials to clients and senior management (e.g. PPT presentations summary reports/ memos oral presentations;

• Collaborating with teams to create a proven atmosphere of trust seeking diverse views to encourage improvement and innovation and coaching staff including providing timely meaningful written and verbal feedback;

• Identifying and addressing client needs by building and maintaining trust (e.g. client relationship management;

• Considering crosscultural differences seeking diverse views to encourage improvement and innovation and fostering a global mindset for the team;

• Demonstrating experience in working with and managing onshore and offshore teams;

• Demonstrating thorough ability to communicate project goals and objectives project status and deliverables building consensus and presenting standard industry practices/point of view effectively; and

• Keeping leadership informed of progress and issues.