Job descriptionBusiness typeTypes of Jobs - Risk Management / Control
Job titleRPC Senior Credit Analyst, Power & NEC, Oil & Gas, Commodities Finance
Contract typePermanent Contract
Job summaryPurposeResponsible for processing credit requests and annual reviews with a primary focus on Power, Oil and Gas, Commodities Finance.
Key responsibilitiesPreparation 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 locationGeographical areaAmerica, United States Of America
CityNEW YORK
Candidate criteriaMinimal education levelBachelor Degree / BSc Degree or equivalent
Academic qualification / SpecialityEducation Essential: Bachelor's degree in business / finance
Education Desirable: Master's degree
Level of minimal experience11 years and more
ExperienceExperience 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 skillsCompetencies 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
