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: 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; Determining Risk Ratings in Anadefi (calculation and proposal) for groups and counterparties; Monitoring of the economic and financial evolution of clients; Monitoring of the global set of limits on groups; Participation to 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 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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