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Credit Analyst / Senior Credit Analyst

Vacancy details

General information


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 Bank's 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.

For more information, please visit


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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Job description

Business type

Types of Jobs - Finance / Accounting

Job title

Credit Analyst / Senior Credit Analyst

Contract type

Permanent Contract

Job summary


Job Title: Credit Analyst / Senior Credit Analyst


Purpose: Responsible for processing credit requests and annual reviews in Chicago Diversified Portfolio.


Key responsibilities:

  • For assigned files for which RPC is responsible for the primary credit analysis, preparation of the first level credit application and analysis based on requests received from the Front Office including:
    • Presentation of sector trends and drivers, and counterparty market position. Peer comparison.
    • Detailed presentation of financial statements and financial projections when applicable.
    • Review of legal protections including credit and trading agreements, guarantees and financial covenants as applicable.
    • Prepare and/or review Anadefi internal ratings.
    • Submission of files to NY Credit Committee.
    • Processing of Phidias and Anadefi.
  • For assigned files for which the Front Office prepares the first level credit application, preparation of the second level RPC opinion, including independent analysis of the borrower, transaction structure, term sheet, financial models, etc.  Review and verify Anadefi ratings.  Process Phidias
  • Frequent interaction with the various Front Office teams to gather additional information concerning the client, discuss credit risk issues and mitigants, and obtain relationship profitability information and commercial support/strategy.
  • Verify accuracy of, and correct as necessary, data in risk systems (Phidias/Eurecca/RICOS/Anadefi etc.).
  • Active coordination with RPC Paris to answer any inquiries for additional information/explanations, follow-up on rating validations, and communicate credit issues and trend as appropriate.
  • Active monitoring of the sectors and portfolios covered, and communication to senior management locally and in Paris as appropriate.
  • Assist in any internal or external portfolio reviews, preparation of documents for US Risk Committee, Early Warning meetings, audit assessments, loan reviews, or special projects as needed.
  • May also be asked to analyze counterparties in different sectors depending on workloads.

Key Internal contacts


  • Local RPC teams (Counterparty Risk, Market Risk, Admin-Monitoring and Projects, Enterprise Wide Risk)
  • Local Front Office teams (Chicago, NY, Canada, CLF, DAR, ITB)                        
  • Head Office SCS RPC and Front Office

Salary Range: $105k - 150k

Position location

Geographical area

America, United States Of America



Candidate criteria

Minimal education level

Bachelor Degree / BSc Degree or equivalent

Academic qualification / Speciality


Bachelors degree in business


Masters degree a plus

Level of minimal experience

3-5 years



3+ years of credit experience at a bank and/or a credit rating agency


Experience in these sectors is a plus: Commodity Financing, LBO and Leverage Financing

Required skills

Strong ability to:

-         Succinctly analyse and synthesize credit risk

-         Excellent time management     

-         Work independently and solve problems

-         Be proactive and self-reliant

-         Cooperate with local and international teams       

-         Work across various industry sectors      

-         Make presentations to Credit Committee and other constituents as needed

-         Be flexible to changing environments
-         Strong credit analysis experience

-         Strong projections/modelling skills

-         Microsoft Office suite

-         Clear  written and verbal communication skills