Sr Manager / Senior Credit Analyst (San Francisco, CA)

Description:

Whether you want to work face-to-face with customers or are drawn to opportunities behind the scenes, know that everybody who works at Schwab plays a vital role in offering our clients a range of valuable and ethical financial services. If you share our enthusiasm for providing the tools, resources and guidance that can help them achieve their financial goals, there’s a place for you at Schwab.

Group Overview:

The mission of the Global Risk and Credit Management Group is to provide an integrated risk management strategy that delivers predictable financial and operational performance in order to produce successful client outcomes. Within Schwab, Risk Management has been staffed and organized around the four primary sources or mitigators of material risk: Credit, Market, Operations and Insurance.

As part of the Risk and Credit Management (RCM) group you will join a team that works closely with business partners managing Schwab’s proprietary investment portfolios, margin and bank loan portfolios, and vendor relationship process, providing credit and general risk management subject matter expertise.

Responsibilities:

Position involves fixed income/counterparty credit analysis for various Schwab investment portfolios and treasury functions corporate-wide. Duties entail gathering financial industry and economic data, preparing comprehensive credit analyses and communicating with internal portfolio managers, internal and external analysts, rating agencies and external company management. Analyst will recommend dollar and maturity limits for issuers and counterparties with primary emphasis on banks and broker-dealers but also including commercial entities. In addition, analyst will provide surveillance of issuers and counterparties. In support of Schwab vendor due diligence analysis will help assess the risk to the firm of the vendor relationship and complete varying degrees of corporate financial analysis. Analyst will use industry data, issuer provided financial information, as well as interpretation and gathering of internal Schwab data to support credit risk management in the company.

Qualifications:

• Minimum of 5 years of broad credit analysis experience
• Excellent analytical / financial analysis skills including financial ratio analysis
• A sound high level understanding of U.S. macro economic factors
• Well developed organizational and interpersonal skills
• Strong basic computer skills
• Excellent communications skills, both oral and written, to communicate with rating agency analysts, VPs and occasionally SVPs
• Demonstrated ability to use good judgment and to work independently
• Commercial lending experience and/or Series 7 considered a plus
• Advanced degree (i.e. MBA, MA) and/or CFA preferred; however, additional credit analysis experience can compensate

• Sound credit analysis skills including the ability to respond to ad hoc requests
• Strong written, oral, and interpersonal skills a must including the ability to explain / present your original analysis
• The ability to work efficiently by meeting deadlines without sacrificing quality of product and services

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