Credit Risk Analyst

Crédit Agricole SA; London; On-site; GBP 50,000 - 70,000; Full time

Job summary

A leading financial institution is seeking a Credit Risk Analyst to conduct risk analysis for corporate clients. The role involves assessing credit requests, monitoring portfolios, and collaborating with front office teams to ensure effective risk management strategies. Ideal candidates will have a strong background in credit analysis and excellent communication skills.

Qualifications

• Degree within relevant subject.
• Robust prior experience in credit risk analysis.

Responsibilities

• Assess credit requests and recommend appropriate ratings.
• Review financial and non-financial information for analysis.
• Present analytical findings and ensure compliance with risk strategies.

Skills

Advanced credit analysis skills

Good accountancy and documentation experience

Good workflow priority management

Good written and verbal communication skills

Good team player

Education

Bachelor Degree / BSc Degree or equivalent

Tools

Advanced computer literacy

Job description

Types of Jobs - Risk Management / Control

Job title

Contract type

Permanent Contract

No

Job summary

The Credit Risk Analyst is primarily responsible for the risk analysis of individual counterparties and groups. The Analyst inputs to the credit decision process for all Corporate Coverage clients of Credit Agricole CIB, decides on the appropriate rating, takes part in the decision-making process when appropriate and undertakes ongoing monitoring of the portfolio.

Each analyst within the team is responsible for a specific portfolio but will help on other names in the portfolio to assist workflow management.

Key Responsibilities:

Assessment and recommendation

• Assess credit requests including new requests, refinancing, modifications, waivers and periodic reviews (annually or more frequently if required). Recommendation and update of appropriate counterparty ratings using the Bank’s tools.
• Review and analyse financial and non-financial information – financial statements, annual reports, management accounts, trading statements, financial updates and any other relevant information. Collate data and research information to support the analysis and peer group review.
• The analyst must remain vigilant at all times to updates and alerts and review information on a continual ongoing basis in connection with client groups and relevant sectors. If appropriate, the analyst may attend client results or investor day presentations and/or ad hoc meetings.
• Consider the business and economic environment and anticipate potential changes in the sector and competitive environment, market movements, and the business’s compliance with legal, statutory and regulatory requirements.
• Carefully assess the strengths and weaknesses of the counterparty/group, the proposed transaction and its characteristics as well as the context.
• Provide guidance to the Front Office on risk-related matters concerning facility documentation
• Liaise with Front Office (coverage and business lines) to make suggestions and recommendations to develop an appropriate risk management strategy and ensure that limits and reserve set-up (in terms of tenor, quantum and any other conditions) is suitable and appropriate for the client needs and risk profile

Contribute to credit decision process

• Present in a timely manner the analytical findings, recommendation, rating documents and proposal in a written report in the compulsory format defined by the Bank. Provide a recommendation based on the risk analysis and assessment.
• Ensure that all required RPC elements for the decision process are provided in good time and that the credit request complies with the relevant risk strategies for the activity.
• Attend credit committee when requested and liaise with RPC-HO when required.
• Ensure an audit trail of major elements of the risk decision process in which the analyst is involved and record the steps in Phidias (electronic workflow tool) during the request process including recording the decision in the Phidias tool.
• Provide an assessment of the counterparty risk when required

Supplementary Information

Ongoing monitoring – occasional requests/waiver and Portfolio Review

• Assist with preparation of the materials for the periodic branch portfolio review and/or any other sector or sub-portfolio review that may be requested by the Executive Management.
• Assess and handle requests/waivers which may be submitted during the period between annual reviews

Department Responsibilities

• Ensure adherence to risk policies, procedures and strategy.
• Undertake good priority management to contain risk but also respect new business deadlines.
• Undertake any administrative tasks as required.
• Maintain good communication with the Front Office teams and Product Lines as required.

Geographical area

Europe, United Kingdom

City

London

Bachelor Degree / BSc Degree or equivalent

• Degree within relevant subject

Experience

• Robust prior experience in credit risk analysis.
• knowledge of corporate borrowers in key sectors such as energy, metals/mining, aerospace and defence, general diversified industrials…

Required skills

• Advanced credit analysis skills.
• Good accountancy and documentation experience acquired either through training or experience
• Good workflow priority management
• Good written and verbal communication skills
• Good team player

Technical skills required

• Strong product knowledge in lending, trade finance and capital markets credit risk
• Advanced computer literacy

General information

Entity

About Crédit Agricole Corporate and Investment Bank (Crédit Agricole CIB)Crédit Agricole CIB is the corporate and investment banking arm of Crédit Agricole Group, the 10th largest banking group worldwide in terms of balance sheet size (The Banker, July 2022).8,600 employees in more than 30 countries across Europe, the Americas, Asia-Pacific, the Middle-East and North Africa, support the Bank's clients, meeting their financial needs throughout the world.Crédit Agricole CIB offers its large corporate and institutional clients a range of products and services in capital market activities, investment banking, structured finance, commercial banking and international trade.The Bank is a pioneer in the area of climate finance, and is currently a market leader in this segment with a complete offer for all its clients.By working every day in the interest of society, we are a Group committed to diversity and inclusion and place people at the heart of all our transformations. All our job offersare open to persons with disabilities.For more information, please visit www.ca-cib.comTwitter: https://twitter.com/ca_cibLinkedIn: https://www.linkedin.com/company/credit-agricole-cib/By working every day in the interest of society, we are a group committed to diversity and inclusion. All our positions are open to people with disabilities.

Entity

About Crédit Agricole Corporate and Investment Bank (Crédit Agricole CIB)Crédit Agricole CIB is the corporate and investment banking arm of Crédit Agricole Group, the 10th largest banking group worldwide in terms of balance sheet size (The Banker, July 2022).8,600 employees in more than 30 countries across Europe, the Americas, Asia-Pacific, the Middle-East and North Africa, support the Bank's clients, meeting their financial needs throughout the world.Crédit Agricole CIB offers its large corporate and institutional clients a range of products and services in capital market activities, investment banking, structured finance, commercial banking and international trade.The Bank is a pioneer in the area of climate finance, and is currently a market leader in this segment with a complete offer for all its clients.By working every day in the interest of society, we are a Group committed to diversity and inclusion and place people at the heart of all our transformations. All our job offersare open to persons with disabilities.For more information, please visit www.ca-cib.comTwitter: https://twitter.com/ca_cibLinkedIn: https://www.linkedin.com/company/credit-agricole-cib/By working every day in the interest of society, we are a group committed to diversity and inclusion. All our positions are open to people with disabilities.