Credit Risk Analyst

About the role

A large French Investment Bank are looking for a Credit Risk Analyst to join in a new permanent role within the Risk & Permanent Control department (RPC).  

As the Credit Risk Analyst, you will get the opportunity to be primarily responsible for the risk analysis of individual counterparties and groups.  You will have inputs to the credit decision process for all Corporate Coverage clients of the Investment Bank, decides on the appropriate rating, takes part in the decision-making process when appropriate and undertakes ongoing monitoring of the portfolio.

Key Responsibilities

Assessment and recommendation

• Assess credit requests including new requests, refinancing, modifications, waivers and periodic reviews (annually or more frequently if required).  Recommendation and update of appropriate counterparty ratings using the Bank’s tools.
• Review and analyse financial and non-financial information – financial statements, annual reports, management accounts, trading statements, financial updates and any other relevant information.  Collate data and research information to support the analysis and peer group review.
• Consider the business and economic environment and anticipate potential changes in the sector and competitive environment, market movements, and the business’s compliance with legal, statutory and regulatory requirements. 
• Carefully assess the strengths and weaknesses of the counterparty/group, the proposed transaction and its characteristics as well as the context.

Contribute to credit decision process

• Present in a timely manner the analytical findings, recommendation, rating documents and proposal in a written report in the compulsory format defined by the Bank.  Provide a recommendation based on the risk analysis and assessment.
• Ensure an audit trail of major elements of the risk decision process in which the analyst is involved and record the steps in our electronic workflow tool during the request process including recording the decision.
• Provide an assessment of the counterparty risk when required in the case of structured transactions relating to corporate coverage clients (for example direct or indirect risk on infrastructure projects).

About the candidate

We are seeking an analyst with extensive experience in a relevant corporate banking or credit area who has the following attributes:

• An ability to prepare a complex credit opinion without assistance.
• An ability to create forecasting models.
• Knowledge of terms of facility documentation / master agreements so that they can recommend controls to ensure that we have an appropriate level of protection for our assets.
• Excellent broad knowledge of banking products.
• Exposure to a number of industries, understanding of accounting policies.