Job Description

Essential Responsibilities

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

• Bachelors 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.