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CA
Crédit Agricole CIB
VP - RPC Senior Credit Analyst - Chicago
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Based on Illinois data
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What they do
A Credit Analyst reviews credit history and researches other records to determine if loans should be approved or credit extended to individuals or businesses. Prepares reports for banks, credit agencies and credit card companies.
$59,034 / year median in Illinois
-25% projected decline
Job Description
VP
- RPC Senior Credit Analyst
- Chicago Crédit Agricole CIB
- 3.
Purpose:
Responsible for processing credit requests and annual reviews in Diversified Industries (emphasis on Automotive). Position based in Chicago.Key Responsibilities:
For assigned files for which RPC is responsible for the primary credit analysis, preparation of the first level credit application and analysis based on requests received from the Front Office including: Presentation of sector trends and drivers, and counterparty market position. Peer comparison. Detailed presentation of financial statements and financial projections when applicable. Review of legal protections including credit and trading agreements, guarantees and financial covenants as applicable. Prepare and/or review Internal ratings. Submission of files to NY Credit Committee via email or in person. Processing of Crew and Dafne. For assigned files for which the Front Office prepares the first level credit application, preparation of the second level RPC opinion, including independent analysis of the borrower, transaction structure, term sheet, financial models, etc. Review and verify Internal ratings. Run theCredit Process:
Crew. Presentation of the RPC Opinion to RPC management and to the NYCC. Frequent interaction with the various Front Office teams to gather additional information concerning the client, discuss credit risk issues and mitigants, and obtain relationship profitability information and commercial support/strategy. Active coordination with RPC Paris 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 Paris as appropriate. Participation to Early Warning and SAR meetings as necessary. Contribute to portfolio reviews, preparation of documents for US Risk Committee, audit assessments, loan reviews, or special projects as needed.Data Quality:
verify accuracy of, and correct as necessary, data in risk systems (Crew/Eurecca/RICOS/Dafne etc.). May also be asked to analyze counterparties in different sectors depending on workloadsKey Internal Contacts:
Reporting to Sector Credit Officer based in Chicago 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 Team Salary Range:
$165K- 200K #LI-DNI Critères de candidature Niveau d'étude minimum Bac + 3 / L3 Formation / Spécialisation
Education Essential:
Bachelor's degree inBusiness Education Desirable:
Master's degree a plusExperience Essential:
7+ years of credit experience at a bank and/or a credit rating agencyExperience Desirable:
Experience covering automotive sector is a strong plus. Niveau d'expérience minimum 6- 10 ans Compétences recherchées Competencies Essential Strong ability to
- Succinctly analyze and synthesize credit risk
- Manage high workload effectively
- Work independently and solve problems
- Be proactive and self-reliant
- Cooperate with local and international teams
- Work across various industry sectors
- Make presentations to Credit Committee and otherconstituents as needed-Be flexible to changing environments Competencies Desirable Knowledge in French is a plus.