Job description




Business type



Types of Jobs - Risk Management / Control




Job title



US Analyst - Credit Analyst - Risk and Permanent Control




Contract type



Fixed-Term Contract




Term (in months)



24




Expected start date



25/05/2026




Management position



No




Job summary




DEPARTMENT: Risk and Permanent Control | Reports to: Senior Credit Officer




US ANALYST PROGRAM



The US Analyst program offers an opportunity for recent college graduates interested in finance and corporate/investment banking to actively participate in this fast-paced and challenging industry. The standard analyst program is two years, with analysts hired on an initial one-year contract. The goal of the analyst program is to develop top candidates into Full-Time Associate positions at the end of the two-year period. We provide our analysts with the tools necessary for professional growth and career advancement.




ROLE SUMMARY



Analyze and recommend counterparty credit exposures proposed by business units in the Americas. Assigned to the Power and New Energy Healthcare team within Counterparty Risk Analysis, with flexibility to support other projects as needed.




KEY RESPONSIBILITIES

• Review credit requests from Front Office for completeness; interface with originators to obtain additional documents, projections, industry data, or other required information


• Write comprehensive credit analyses evaluating borrower's industry, competitive position, financial statements (balance sheet, income statement, cash flow), projections, transaction structure, exposure size, risks, and mitigants


• Review and recommend borrower credit ratings using the bank's internal rating model


• Collaborate with Sector Head to determine final recommendations for Senior Management and Credit Committee


• Manage file completion under supervision of Senior Credit Analyst and Sector Head to meet deadlines


• Verify data inputs (risk ratings, profitability assumptions) in databases and resolve issues with commercial units


• Monitor risk in assigned portfolio and prepare quarterly reports on sensitive names


• Support ad hoc portfolio or counterparty research requests

KEY CONTACTS

• Internal: Front Office, Senior Credit Analyst, Sector Head, Commercial Units


• External: Borrowers, Industry Sources

Position location




Geographical area



America, United States Of America




City



NEW YORK




Candidate criteria




Minimal education level



Bachelor Degree / BSc Degree or equivalent




Experience




Essential:

• Bachelor's degree in Finance or related field


• Prior internships in credit analysis


• Strong credit analysis skills


• Balance sheet and income statement analysis experience


• Understanding of cash flow and projection models


• Understanding of risk exposure and sizing


• Ability to analyze and summarize information


• Ability to prioritize effectively and work autonomously


• Strong teamwork and adaptability


• Effective decision-making skills


• Fluent English


• Must be eligible to work in the US without visa sponsorship now or in the future

Desirable:

• MBA or CFA


• Working knowledge of Spanish or French

Languages



English