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Moteur de recherche d'offres d'emploi Crédit Agricole CIB

Senior Loan Review Analyst


Vacancy details

General information

Entity

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 www.ca-cib.com

Twitter: https://twitter.com/ca_cib
LinkedIn: https://www.linkedin.com/company/credit-agricole-cib/

Working every day in the interest of society, our Group is committed to diversity and inclusion. To find out more on our Diversity Policy, click here: https://www.credit-agricole.com/en/pdfPreview/198689  

Reference

2022-69090  

Update date

12/02/2024

Job description

Business type

Types of Jobs - General Inspection / Audit

Job title

Senior Loan Review Analyst

Contract type

Permanent Contract

Job summary

Summary:
Loan Review VP will assist in the implementation of the credit review of the Loan Portfolio booked in the US Branches
and offices of CACIB on a timely basis. This review covers in particular the adequacy of the credit risk ratings for loans booked in the Americas, assessment of the quality of supervision of the loan documentation, management of collateral, the tracking and updating of files and ongoing file management in accordance with the Risk Policies and Procedures of CACIB and to generate reports documenting the results of portfolio and individual file reviews. The individual will work closely with and under the direction
of the Head of Loan Review together with the existing team to define the sample of credits to be reviewed within each portfolio, analyze the selected credits, write the credit analyses, document the findings and recommendations and then follow up on the implementation of those recommendations. In addition, the analyst will participate in the presentation of the analysis, findings and recommendations to various departments involved in generating, underwriting, approving and monitoring the credit facilities. Reports are to be sent to Management in New York and Paris.

Key Responsibilities:
·Work with the Head of Loan Review and other team members to develop objectives and plans for each portfolio review
·Prepare credit file reviews, which will include analysis of the initial credit underwriting, annual risk assessment by Credit Risk department, verification of the internal rating classification of the borrowers in accordance with the rating matrix guidelines, review of collateral for determination of adequacy in accordance with agreements and credit approvals, etc. The review will also include an assessment of the accuracy and timeliness of Front Office / Credit Risk (RPC) updates with regards to changes in the credit profile of the borrowers – including improvements as well as deteriorations.
·The individual will also analyze for each file the individual obligor risk rating re-validation process, as well as compliance with credit and operational policies and procedures governed both internally and externally. File reviews will be aggregated into formalized reports in compliance with regulatory guidance (examination manual for US Branches and Agencies of the FBO).
·Present reviews to general management of the Business Lines and to the Risk department
·Make presentations of portfolio review reports with findings, conclusions and recommendations to other internal
departments following the review process to develop follow up program when recommendations are made
·Closely follow changes in accounting standards that may impact the credit analysis of international corporate credits. Maintain level of awareness for new Loan Review and/or Audit trends and adjust accordingly.
·Assist the Head of Loan Review with responding and communicating with internal & external auditors (Regulatory & Bank auditors) during exams

Position location

Geographical area

America, United States Of America

City

NEW YORK

Candidate criteria

Minimal education level

Bachelor Degree / BSc Degree or equivalent

Academic qualification / Speciality

BA in finance, business, accounting or related field

Experience

8-10 years of experience

Credit Risk skills and expertise across a broad section of industries including:

  • Project Finance
  • Real Estate
  • Leveraged Loans

LATAM experience a plus.

Required skills

Essential

  • Ability to analyze and summarize information
  • Ability to prioritize effectively
  • Ability to work autonomously
  • Ability to work successfully in a team
  • Adaptability to changing environments
  • Effectiveness at decision making
  • Ability to deal with issues
  • Ability to cooperate and work across disciplines
  • Accounting & financial analysis skills 

Desirable

Credit Certifications

 

Technical skills required

  • Excel, Word, PowerPoint, Capital IQ
  • Accounting & Financial Analysis Skills
  • Excellent writing skills
  • Oral Presentation & communication skills

 

Salary Range: $165,000 - $185,000