Credit Risk Analyst

Main responsibilities: Sets up of credit reviews upon request of FO teams (CIB/GEG), both for prospects (new credit files) and existing clients (annual and interim reviews; waivers; amendment; etc.) to be presented either in local or Paris committees (or both). The credit reviews must include rating assessment and risk opinion.

Concerning credit requests initiated by the local unit:

1. Analysing the FO request, conducting a financial and credit analysis, and writing of credit files in conjunction with the Support to Front team and senior bankers for their portfolio and for all business lines;
2. Determining Risk Ratings in Anadefi (calculation and proposal) for groups and counterparties;
3. Monitoring of the economic and financial evolution of clients;
4. Monitoring of the global set of limits on groups;
5. Participation to the Local Credit Committee. For credit applications exceeding the local delegation, working in coordination with regional and HO RPC teams;
6. Creation of the RPC opinion In Phidias and data capture in Eurecca (total or complementary according the request type) for authorizations/ ratings and Ricos structure;

Concerning credit applications initiated by the international network on the subsidiaries of local groups:

1. Review of the credit applications initiated by the network and issuance of the risk opinion per delegation level.
2. Global RPC contact for client groups: coordination of annual reviews of all subsidiaries of groups covered and implementation of risk policy on those groups.

Other:

1. Preparation of Portfolio Review related documentation;
2. Controls, data quality.