Analyst

Job Description

• Financial and credit analysis and writing of corporate credit files
• Determining risk ratings in the rating tools
• Issuing of risk opinion or risk conclusion on the credit requests
• Participation in the Local Credit Committees
• Co-ordinate with Regional and HO risk analyst teams
• Monitoring of the economic and financial evolution of clients
• Monitoring of global set of credit limits on clients / groups
• Interaction with Senior bankers / Relationship Managers on the credit requests and ongoing monitoring of risk exposures
  
  

Main Duties

• Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in co-ordination with senior bankers/ relationship managers for their portfolio and for all business lines relevant to a particular corporate client;
• Advising senior bankers and business lines on the structuring of the transactions / Group structures / line structure / methodology, during the preparation of the credit application;
• Determining Risk Ratings in the rating tools (calculation, proposal and validation) for groups and counterparties;
• Ensuring that the risk strategy elaborated by the senior banker is consistent with the Bank’s risk strategies for the relevant sectors and country;
• Conducting annual review of credit limits and rating review of counterparties / groups; ensuring that the annual reviews are prepared in a timely manner and that ratings are reviewed by the Bank at least every 12 months;
• Monitoring of the economic and financial evolution of clients; providing alerts to the head of the Department / management of potential deterioration of risk profiles of borrowers and of critical situations;
• Monitoring of the global set of limits and exposure on groups / counterparties;
• Per delegation level, issuing risk opinion or risk conclusion concerning the borrower, the relevant of the proposed transaction, the set up of credit limits and the internal rating; participation to the Local Credit Committee. For credit applications exceeding the local delegation, working in co-ordination with the regional / HO risk analyst teams;
• Update and capture data in the electronic credit decision workflow systems;
• Preparing information and data for annual portfolio reviews;
  
  

Application criteria

Company Crédit Agricole CIB

About Crédit Agricole Corporate and Investment Bank (Crédit Agricole CIB) Crédit Agricole CIB is the corporate and investment banking arm of Crédit Agricole Group, the 10th largest banking group worldwide in terms of balance sheet size (The Banker, July 2022). 8,600 employees in more than 30 countries across Europe, the Americas, Asia-Pacific, the Middle-East and North Africa, support the Banks clients, meeting their financial needs throughout the world. Crédit Agricole CIB offers its large corporate and institutional clients a range of products and services in capital market activities, investment banking, structured finance, commercial banking and international trade. The Bank is a pioneer in the area of climate finance, and is currently a market leader in this segment with a complete offer for all its clients. By working every day in the interest of society, we are a Group committed to diversity and inclusion and place people at the heart of all our transformations. All our job offersare open to persons with disabilities. For more information, please visit www.ca-cib.com Twitter: https://twitter.com/ca_cib LinkedIn: https://www.linkedin.com/company/credit-agricole-cib/ By working every day in the interest of society, we are a group committed to diversity and inclusion. All our positions are open to people with disabilities.

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