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

MSc in Finance/Economics

Strong Ability to communicate clearly and easily

Strong Ability to analyse and summarise

Strong Rigour and sense of organisation

Fairly strong Apprehension of results and priorities

Fairly strong Autonomy

Average Relationship management/Commercial sense

Strong Capacity to cooperate/Ability to work across disciplines

Good knowledge in financial and risk analysis