Credit Agricole - Risk Analyst - Corporate Counterparty Risk

Job title : Risk Analyst - Corporate Counterparty Risk

Business Line : RPC

Country : India

Product Line : RPC- Counterparty Risk

Department : RPC - Sectors, Corporates & Structured

Reporting to : Head - Corporate Counterparty Risk

Mercure Job Code : E1AQxx

Summary of the position :

- 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

- Participate to 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

Organisation chart and line reporting :

- Name of the Manager Appraiser Head - Corporate Counterparty Risk

- Internal functional links Senior Bankers / Relationship Managers and Risk Analysts in the Regional /HO

- External functional links Rating Agencies, Local credit bureaus

Main duties :

- Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in conjunction 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 counter-parties

- 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 counter-parties / 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 / counter-parties

- 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.

Specific features of the activity (place, travelling, constraints, etc.) :

- The position is located in the CA-CIB Mumbai office

- May involve occasional travel to client sites across the country

Candidate's technical skills :

- Ability to read and analyse financial statements / balance sheet understanding.

- Industry / sector knowledge.

- 2-3 years- experience in corporate risk analysis department of banks / rating agencies.