Senior Credit Analyst (F / H)

Natixis; Paris; Hybride; EUR 45 000 - 75 000; Plein temps

Résumé du poste

Rejoignez une équipe dynamique au sein du département de risque de crédit en tant qu'Analyste Senior. Vous jouerez un rôle clé dans l'analyse des demandes de crédits et la surveillance des contreparties, tout en collaborant avec diverses équipes pour garantir des décisions éclairées. Ce poste offre une opportunité unique de travailler dans un environnement international où l'excellence et l'impact sont au cœur des préoccupations. Avec des programmes de développement de carrière et des possibilités de télétravail, vous pourrez évoluer tout en contribuant à des causes sociétales importantes. Si vous êtes autonome, organisé et passionné par la finance, cette position est faite pour vous.

Prestations

Télétravail

Développement de carrière

Programmes de formation

Mobilité interne

Qualifications

• Minimum 5 ans d'expérience en analyse de crédit.
• Connaissances des éléments juridiques des transactions.

Responsabilités

• Analyser les demandes de crédits et renouvellements.
• Collaborer avec différentes lignes de métier sur les risques.
• Surveiller le portefeuille pour anticiper les risques de crédit.

Connaissances

Analyse de crédit

Compétences en communication

Compétences relationnelles

Autonomie

Organisation

Formation

Master II en Finance

Diplôme de Grande École

Description du poste

You join the Corporate team in the Credit Risk Department as a Senior Credit Analyst. You play an active role in the implementation of credits, including acquisition finance and structured loans, as well as in annual reviews of counterparties. The geographical area covered extends across Europe and the Middle East, with the possibility of specialising in a specific sector.

On a daily basis, your tasks will be:

• Perform the contradictory analysis of grant files, one-off applications and renewals of credit lines.
• Engage constructively with the different business lines on the risk points and results of your analysis, affirming your position to make improvements to the applications from a credit risk perspective.
• Interact with other departments and teams involved in decision-making, such as compliance, country risk, sector, ESR and legal teams to write informed, thorough and well-thought-out opinions.
• Represent your views to a Risk Delegate or to the credit committees as a representative of the Risk Department for final decision making.
• Proactively monitor the portfolio to anticipate any material deterioration in a counterparty’s credit risk, with Watch List entry if necessary.
• Ensure compliance with decision-making processes, including granting and renewing credits, monitoring files on the Watch List and setting limits at BPCE level.

As an Analyst, you will also participate in cross-functional projects (risk policies, rating methodology / LGD, portfolio reviews, stress tests, improved monitoring of operations, audits and interactions with the BPCE group and regulator, etc.).

You will work in a dynamic international environment, within a community of experts that places excellence, impact and collective action at the heart of everything we do.

This position is based in Paris 13th with the possibility to telework. As a top employer, we put our people first. Internal mobility, career development and training programs allow you to grow and thrive throughout your career. You are operating in a hybrid, inclusive and collaborative work environment. You also have the opportunity to be involved in society and causes that are important to you through our corporate foundation.

Required Skills / Qualifications / Experience

About you: If you recognize yourself in the following description, you are made to work with us!

Higher education (Bac, type Master II, Grande Ecole in the fields of Finance) with at least 5 years of experience in a similar position, preferably with a delegation exercise.

You are familiar with:

• The fundamentals of credit analysis, including the analysis of projections and structuring elements.
• The essential elements of legal documentation of transactions.

You have strong relationship skills, very good listening skills, and you are:

• Autonomous and organized;
• Able to meet deadlines;
• Possessing strong conviction and good communication skills in both written and oral forms.

You master English with a C1 level or equivalent.