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Credit Analyst - Commercial Lending
Investment Banking
Your role
Are you someone who enjoys financial analysis and detecting potential risks in live M&A transactions? Do you like working in an environment where empowerment, challenge and excellence are highly valued?We are looking for someone like this to:
• be a Credit Analyst for Leveraged finance transactions: be involved alongside the Credit Officer in the underwriting, recommendations and the decision making processes
• independently analyze credit risks and engage with the front office to ensure transactions are consistent with UBS's underwriting risk appetite
• show the ability to work autonomously through the extensive Due Diligence process, identifying key business drivers, specific risk issues, actively challenging during due diligence calls, and highlighting any information gaps to the business teams
• perform fundamental financial analysis for prospective leveraged transactions and corporate borrower's (covering financial, commercial, legal, tax, environmental & structuring)
• demonstrate full understanding of financial modelling, working on the production of Base and Downside cases ensuring that they reflect all key drivers and the due diligence findings
• contribute actively to a written credit memo for CRC Senior Management
• assign risk ratings and loss given default designation, prepare reporting deliverables to track limit utilization
• review loan documentation to ensure that it corresponds with internal approvals and adequately covers all transaction risks.
Join us
At UBS, we know that it's our people, with their diverse skills, experiences and backgrounds, who drive our ongoing success. We’re dedicated to our craft and passionate about putting our people first, with new challenges, a supportive team, opportunities to grow and flexible working options when possible. Our inclusive culture brings out the best in our employees, wherever they are on their career journey. And we use artificial intelligence (AI) to work smarter and more efficiently. We also recognize that great work is never done alone. That’s why collaboration is at the heart of everything we do. Because together, we’re more than ourselves.We’re committed to disability inclusion and if you need reasonable accommodation/adjustments throughout our recruitment process, you can always contact us.
Contact Details
UBS Business Solutions SAUBS Recruiting
Disclaimer / Policy statements
UBS is an Equal Opportunity Employer. We respect and seek to empower each individual and support the diverse cultures, perspectives, skills and experiences within our workforce.Your team
The IB CRC Credit Risk Control team is responsible for independently assessing transaction risks, for constructively challenging all diligence work and financial modelling produced by the front office and for monitoring and controlling all risks in the IB loan portfolio. The team serves as the firm’s second line of defense and is charged with independently assessing all risks associated with the origination, distribution and retained portfolio of corporate and leveraged finance transactions. It is directly responsible for assigning risk ratings and for ensuring our analytical standards are in compliance with regulatory expectations.Your expertise
You have:• a Bachelor’s Degree in a relevant area of concentration and/or some level of formal credit training. No CFA required but level 1 or 2 would be viewed favorably
• strong knowledge of financial accounting concepts
• ideally relevant working experience in a leveraged finance transaction environment
• computer proficiency required in Excel, Word and PowerPoint.
• strong oral and written communication skills
You are:
• a strong collaborator and confident communicator
• open to learning numerous applications specific to the Risk function
• willing to provide flexibility to support business priorities and key deliverables, which may include working evenings and weekends to meet business needs
• curious to explore how AI can improve how we build, deliver, and optimize workflows. You do this with sound judgment – validating outputs and aligning with policies, risk standards, and ethical use.
About us
UBS is a leading and truly global wealth manager and the leading universal bank in Switzerland. We also provide diversified asset management solutions and focused investment banking capabilities. Headquartered in Zurich, Switzerland, UBS is present in more than 50 markets around the globe.We know that great work is never done alone. That’s why we place collaboration at the heart of everything we do. Because together, we’re more than ourselves. Want to find out more? Visit ubs.com/careers.