Sector Credit Officer - job 3 of 3

Description du poste

• 
  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: o Presentation of sector trends and drivers, and counterparty market position. Peer comparison. o Detailed presentation of financial statements and financial projections when applicable. o Review of legal protections including credit and trading agreements, guarantees and financial covenants as applicable.

• 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.
• Presentation of the RPC Opinion to RPC management and to the NYCC.
• 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.
• 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. Participation to Early Warning and SAR meetings as necessary.
• Contribute to portfolio reviews, preparation of documents for US Risk Committee, audit assessments, loan reviews, or special projects as needed.
• Data Quality: verify accuracy of, and correct as necessary, data in risk systems (Phidias/Eurecca/RICOS/Anadefi etc.).
• May also be asked to analyze counterparties in different sectors depending on workloads.

• 
  Local RPC teams and Front Office teams (USA, Canada, Latam, CIN, GCF, EIG, DAR)
• Loan Review team
• Head Office RPC SCS and Front Office

Critères de candidature

Niveau d'étude minimum

Bac + 3 / L3

Formation / Spécialisation

Essential-Bachelor's degree in Business Desirable-Master's degree a plus
Essential-12+ years of credit experience at a bank and/or a credit rating agency Desirable-Experience in sectors covered a strong plus

Niveau d'expérience minimum

11 ans et plus

Soft skills

EssentialStrong ability to:-Succinctly analyse and synthesize credit risk-Manage high workload effectively -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-Credit analysis experience-Microsoft Office suite-Written and verbal communication skills Desirable-Knowledge of Spanish and French a plus

Entreprise Crédit Agricole CIB
A propos de Crédit Agricole Corporate and Investment Bank (Crédit Agricole CIB) Crédit Agricole CIB est la banque de financement et d'investissement du groupe Crédit Agricole, 10ème groupe bancaire mondial en taille de bilan 2021 (The Banker, juillet 2022). Près de 8600 collaborateurs répartis dans plus de 30 implantations en Europe, Amériques, Asie-Pacifique, Moyen-Orient et Afrique du Nord, accompagnent les clients de la Banque dans la couverture de leurs besoins financiers à travers le monde. Crédit Agricole CIB propose à ses clients grandes entreprises et institutionnels une gamme de produits et services dans les métiers de la banque de marchés, de la banque d'investissement, des financements structurés, de la banque commerciale et du commerce international. Pionnier dans le domaine de la finance Climat, la Banque occupe aujourd'hui une position de leader sur ce segment avec une offre complète pour l'ensemble de ses clients. Pour plus d'information : www.ca-cib.fr Twitter: https://twitter.com/ca_cib LinkedIn: https://www.linkedin.com/company/credit-agricole-cib/