Analyst H/F Crédit Agricole CIB

· Financial and credit analysis and writing of corporate credit files
· Determining risk ratings in the rating tools
· Issuing of risk opinion or risk conclusion on the credit requests
· Participation in the Local Credit Committees
· Co-ordinate with Regional and HO risk analyst teams
· Monitoring of the economic and financial evolution of clients
· Monitoring of global set of credit limits on clients / groups
· Interaction with Senior bankers / Relationship Managers on the credit requests and ongoing monitoring of risk exposures

Main duties:
· Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in co-ordination with senior bankers/ relationship managers for their portfolio and for all business lines relevant to a particular corporate client;
· Advising senior bankers and business lines on the structuring of the transactions / Group structures / line structure / methodology, during the preparation of the credit application;
· Determining Risk Ratings in the rating tools (calculation, proposal and validation) for groups and counterparties;
· Ensuring that the risk strategy elaborated by the senior banker is consistent with the Bank's risk strategies for the relevant sectors and country;
· Conducting annual review of credit limits and rating review of counterparties / groups; ensuring that the annual reviews are prepared in a timely manner and that ratings are reviewed by the Bank at least every 12 months;
· Monitoring of the economic and financial evolution of clients; providing alerts to the head of the Department / management of potential deterioration of risk profiles of borrowers and of critical situations;
· Monitoring of the global set of limits and exposure on groups / counterparties;
· Per delegation level, issuing risk opinion or risk conclusion concerning the borrower, the relevant of the proposed transaction, the set up of credit limits and the internal rating; participation to the Local Credit Committee. For credit applications exceeding the local delegation, working in co-ordination with the regional / HO risk analyst teams;
· Update and capture data in the electronic credit decision workflow systems;
· Preparing information and data for annual portfolio reviews;