Job description




Business type



Types of Jobs - Risk Management / Control




Job title



RPC Senior Credit Analyst, Power & NEC, Oil & Gas, Commodities Finance




Contract type



Permanent Contract




Job summary




P
urpose



Responsible for processing credit requests and annual reviews with a primary focus on Power, Oil and Gas, Commodities Finance.




Key responsibilities



Preparation of the credit application and credit analysis based on requests received from the Front Office in view of issuing an independent risk opinion:

• Assessment of the creditworthiness of the borrower based on analysis of sector trends and drivers, market positions, peer comparison, financial statements and financial projections when applicable.


• Assessment of the transaction, the legal structure, terms and conditions.


• Assign the adequate Basel risk parameters (including rating, LGD).


• Submission of files to NY Credit Committee and present the risk opinion.


• Frequent interaction with the various Front Office teams to organize the deal pipeline, discuss the risks of the transaction and mitigants, the commercial strategy and profitability.


• Active coordination with RPC HO to answer any inquiries for additional information/explanations, follow-up on rating validations, and communicate credit issues and trend as appropriate.


• Active monitoring of the sectors and portfolios covered, and communication to senior management locally and in HO as appropriate; contribute to and attend Early warning and SAR meetings.


• Assist in any internal or external audit assessments (FRB, SNC, IG), contribute to the USRC, to portfolio reviews, loan reviews, or special projects as needed.


• May also be asked to analyze counterparties in other sectors depending on workloads.

Key Internal contacts

• Local RPC teams (Counterparty Risk, Market Risk, Admin-Monitoring and Projects)


• Local Front Office teams (ITB, GCF, CIB)


• Home Office RPC SCS and Front Office


• Loan Review

Salary Range: $160K-$200K



#LI-DNI




Position location




Geographical area



America, United States Of America




City



NEW YORK




Candidate criteria




Minimal education level



Bachelor Degree / BSc Degree or equivalent




Academic qualification / Speciality




Education Essential: Bachelor's degree in business / finance




Education Desirable : Master's degree




Level of minimal experience



11 years and more




Experience




Experience Essential: 10+ years of credit experience at a bank and/or a credit rating agency




Experience Desirable: - Experience in sectors covered (Commodities Finance) is a strong plus.




Required skills




Competencies Essential

• Strong ability to:
  
  - Analyze and summarize credit information
  
  - Make presentations to Credit Committee and other constituents as needed
  
  - Cooperate with local and international teams Prioritize workload effectively
  
  - Be proactive, work independently and solve problems
  
  - Work towards the goals highlighted in CACIB's strategy
  
  - Be flexible to changing environments

Competencies Desirable

• Knowledge of French a plus

Skills and Knowledge

• Credit analysis, financial modelling, legal documentation


• Microsoft Office suite


• Clear written and verbal communication skills