Credit Analyst - Large Corporate - BFSI

Credit Analyst-Large Corporate

Job Description :

- The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions to facilitate informed credit decisions.

- Develop in-depth understanding of the groups under the responsibility and develop market intelligence by investigating all available sources of credit and financial information.

- Monitor permanently the portfolio under their responsibility to detect any credit issue requiring a specific review.

- Conduct Annual and interim reviews. Produce in due time and present in Credit Committee a factual summary of client's credit worthiness (credit proposal), compliant with the Bank's guidelines. The credit proposal includes a recommendation on the ratings, the limits, the legal credit terms and the risk strategy vis-a-vis the client

- Develop a good knowledge of the banking environment: capital market products, legal documentations, accounting and regulatory environments.

- Perform portfolio reviews when required.

- Keep abreast of the changing methodologies and credit policies

Interactions with the (clients under coverage)

- Interacts in full transparency with the clients under coverage.

- Attend, when necessary, discussions forum under the leadership of the clients under coverage.

Guarantee :

- Guarantee rigorous and synthetic credit risk analysis and recommendation (Annual review, ad hoc, credit notes, comparative analysis)

- Guarantee the application of Bank's procedures and policies and the consistency of Bank's ratings

Contribute :

- Contribute to the formalisation of the credit decisions in the credit workflow tool

- Contribute to the risk strategy definition by providing recommendation on the risk profile of the counterparty and on specific transactions in relationship with the appropriate stakeholders

- Contribute to the Bank's reactivity vis- vis clients' expectations by prioritizing urgent requests under their responsibility with manager

- Contribute to the quality of process : use adequately the credit process' flow and workflow system, maintain critical client data, interact efficiently ahead of credit committee with the various stakeholders of the credit process

- Contribute to the development of policies, reports and risk tools, and to the Credit Process optimization

Interactions with Business Lines (uncovered clients) :

- Discuss the requests of Credit limits with the Business Lines

- Provide credit analysis and recommendation in the frame of AR or ad hoc Credit Committee on clients followed by Business Lines