Senior Associate, Credit Risk Management @ General Electric

Job Information

Job Description:

Financial Analysis

Analyze airline companies’ financial statements.
Assess financial ratios, liquidity, leverage, profitability, and solvency to evaluate the financial health of the airline and MRO customers.
Conduct trend analysis and benchmarking to identify patterns and assess performance over time.
Evaluate the impact of industry-specific factors, such as fuel prices, wages, foreign currency, competition, regulatory changes, and market demand, on airline financials.

Credit Risk Assessment

Identify potential credit risks, such as default, bankruptcy, or financial distress, and propose risk mitigation strategies.
Develop credit scoring models and risk assessment tools to quantify credit risk and make recommendations for commercial decisions.

Industry and Market Research

Stay informed about developments in the airline industry, including market trends, competitive dynamics, and regulatory changes.
Monitor macroeconomic indicators, such as GDP growth, inflation rates, interest rates, and currency fluctuations, to assess the overall economic environment and its impact on airline credit risk.
Collaborate with industry experts, financial institutions, and internal experts to gather insights and market intelligence.

Reporting and Communications

Prepare standard, comprehensive credit reports and presentations summarizing analysis findings, credit assessment, and recommendations.
Communicate credit decisions, risk assessments, and recommendations to internal stakeholders, including business teams and senior management.
Participate in deal review discussions and Enterprise Risk Management meetings and provide expert opinions on credit-related matters.

Relationship Management

Collaborate with sales, underwriting, and relationship management teams to develop tailored credit solutions and address customer needs.
Help structure credit terms, conditions, and covenants with airline customers ensuring alignment with risk appetite and risk policies.
Develop relationships with financial institutions and lessors to better understand the broad macro trends in the industry.

Required Qualifications

Bachelor’s Degree, with 5+ years of credit risk related experience, in finance, economics or a related field. At least 2 years related experience working at aircraft lessor and/or bank/rating agency focusing on airline industry.
Proven experience in leasing, credit analysis, financial modeling, and risk management, preferably in the airline industry
Strong understanding of financial markets and credit risk concepts.
Ability to work independently, prioritize tasks, and meet deadlines in a fast-paced environment.
Must be able to travel up to 20% of the time.

Desired Qualifications

Masters degree in finance, economics or related field.
Proficiency in financial analysis tools and software (e.g., Excel, PowerPoint, Bloomberg, Moody’s Analytics).
Excellent analytical skills, attention to detail, and ability to interpret complex financial data.
Effective communication and interpersonal skills, with the ability to present findings and recommendations clearly and persuasively.
Understanding of various products and structures, including loans, leases, partnerships, and equity investments.

Benefits:
Experience Level: Senior
Work From: Onsite