Credit Risk Analyst

Main Responsibilities: Sets up credit reviews upon request of FO teams (CIB/GEG), both for prospects (new credit files) and existing clients (annual and interim reviews; waivers; amendments; 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: Analysing the FO request, conducting a financial and credit analysis, and writing credit files in conjunction with the Support to Front team and senior bankers for their portfolio and for all business lines.
Determining Risk Ratings in Anadefi (calculation and proposal) for groups and counterparties.
Monitoring the economic and financial evolution of clients.
Monitoring the global set of limits on groups.
Participation in the Local Credit Committee.
For credit applications exceeding the local delegation, working in coordination with regional and HO RPC teams.
Creation of the RPC opinion in Phidias and data capture in Eurecca (total or complementary according to the request type) for authorizations/ratings and Ricos structure.
Concerning credit applications initiated by the international network on the subsidiaries of local groups: Review of the credit applications initiated by the network and issuance of the risk opinion per delegation level.
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: Preparation of Portfolio Review related documentation.
Controls, data quality.
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