.**Associate Director, Credit Analysis Unit (CAU)****Role Porpuse**:**Principal Activities**:- **Key activities and decision making areas**- **Pipeline Management and Credit process preparation**:- Thorough planning and effective management of credit request and renewal pipeline.- Ability to quickly procure information necessary for credit proposal utilizing all available channels (Company website, BIC, regulatory filing, etc).- Coordinate effectively with Relationship Managers to determine required information for credit proposals.- **Credit proposal generation activities**:- Write clear and concise, forward looking and insightful credit proposals that identify key risks, propose sound mitigants and covenants and support both existing and proposed limits.- Provide analysis for group overview, Management, Industry, and Strategy, for different client types.- Interpretation and analysis of financial projections/models (by client & industry).- Identify and document all related risks (covenant monitoring, reputation risk, regulatory issues, audit finding, environmental, social and sustainability risk findings by HBMXs Sustainability Area) as well as mitigants- Ability to coherently express the CAU perspective to key stakeholders, maintaining an independent and objective position with the business and risk functions.- Adherence at all times to policies and regulations identifying and informing of any possible operational risks.- **Quality Assurance of Credit Proposals**- Detailed review of Credit Proposals prepared by Credit Analysts, focusing on consistency as well as ensuring a high quality product in regards to data precision, grammar, presentation, format and overall quality.Requirements**Requirements**:Skill Set:- **Communication**:- Oral and written ability to clearly and succinctly express complex financial information to key stakeholders- **Analytical**:- Capacity to process multiple sources of information, discern critical data, and synthesize complex information.- Financial Statement analysis (non-descriptive) including financial ratio/coverage calculation and interpretation.- Ability to effectively create and interpretate financial projections.- Understanding of Counterparty Credit Risk and ability to provide mitigation solutions.- General knowledge of credit/treasury products, including general terms, conditions and inherent structural risks.- **Organization**:- Effective organizational skills with the ability to prioritize tasks.- Ability to work under pressure and respond to tight and rapidly changing deadlines.- **People**:- Ability to effectively engage and negotiate with key stakeholders- Flexibility to adapt to quickly changing environments.- Strong inter-personal skills and the ability to effectively manage conflict and expectations.- Strong leadership skills to provide coaching to Junior Analysts.- **Basic Qualifications**:- Bachelor's degree in Business, Finance, Accounting, Engineering or related fields