Posted Position Title Risk Analyst

Job Number	1860956
Business	GE Capital
Business Segment	Capital - Asia Pacific
Career Level	Experienced
Function	Risk Management
Function Segment	Underwriting
Location(s) Where Opening Is Available	New Zealand
City	Auckland
Postal Code	1010
Relocation Expenses	No
Role Summary/Purpose	- The primary responsibility of this role is the underwriting and review of SME Equipment Finance, Distribution Finance or Fleet Leasing transactions. This includes, but is not limited to, the qualitative and quantitative risk assessment and due diligence of new transactions, preparation of credit submissions and the management of or assistance in managing of the transaction through to documentation and settlement and the workout/restructuring of transactions.
Essential Responsibilities	Relationship Management: - Lead/work as part of a deal team (which will include, but is not limited to, sales, credit, AMS, Docs team and legal) to gain in depth knowledge of transactions. Such knowledge will allow assessment , preparation and the ultimate recommendation of Investment Approval Requests (IAR’s) or credit submissions. - Working collaboratively with internal sales staff in fulfilling/managing customers’ expectations. - Where required manage external customer relationship in respect of gaining potential additional information (financial or otherwise as required) to support a transaction by direct contact with the customer. - Liaison with colleagues in Australia Risk team as required particularly where there are common customers between New Zealand and Australia. Stakeholder Management: - Work closely with Senior team management (AD), ED Risk, PMG team, in house Documentation team on a daily basis to support the overall goals and objectives of the whole team. - Work with in house documentation team in the preparation of Loan & Security documentation and the processing of settlements. - Liaising with GE internal legal councel and where required, on complex transactional and legal matters liaising and instructing external legal councel on behalf of GE. Application Assessment: - Assessment and preparation of in-depth financial analysis including balance sheets, profit and loss and cash flow analysis both on historical and future basis to include but not limited to debt service assessment. - Critical collateral analysis. - Fulfilment of all GE standard compliance, credit and exposure checks. - As required, liaison with external customers to facilitate customer and industry research analysis. This may include negotiating suitable transaction structures, approval requirements and documentation drafting. Other: - Any other credit/risk related duties such as reviews and reporting, as delegated by the Associated Director of the team and ED Risk.
Qualifications/Requirements	- Preferred (but not essential) - Graduate degree in relevant business discipline. Experience - 3-5 years commercial underwriting experience preferably within the fleet and equipment finance industry. - Experience with NZ documentation and settlement requirements for fleet and equipment finance transactions. - Experience in managing relationships in a credit risk and operations environment. - Previous experience with regard to fleet and equipment financing and a knowledge of the inherent risks there of would be highly regarded. - Strong business and commercial acumen. Technical Knowledge - Solid accounting, modeling and financial analysis skills. - Some insolvency/workout and related skills, and an understanding of the NZ legal framework would be beneficial. - Ability to liaise and instruct both internal and external legal counsel where required. This ability requires a good understanding of legal practices and issues relating to various forms of NZ domestic documentation. - Proficient in the use of Microsoft Office products particularly Word, Excel and PowerPoint. - Strong deal structuring knowledge. - Knowledge of financing risks across a wide variety of industries and collateral types including an understanding of legal issues relating to various lending statutes and documentation requirements. Skills - Solid commercial credit/underwriting skills incorporating the preparation, assessment and recommendation of credit submissions. - Strong communication skills, both written and oral.