V.I.E. - 12 months - Credit Analyst F/M - Milan

Natixis; Lombardia; On-site; EUR 55,000 - 85,000; Full time

Job summary

Natixis is seeking a Credit Risk Analyst to support the Head of Italy Portfolio. The role involves qualitative and quantitative risk assessments of Italian corporate clients, independent credit analyses, and end-to-end portfolio management, including ESG considerations and Basel 4 implications.

The position requires strong communication skills, cross-border collaboration, and mastery of MS Office, Bloomberg, Thomson Reuters, and FactSet.

Qualifications

• Fluency in English and good knowledge of Italian, both written and spoken.
• Bachelor's or Master’s degree in Finance or Economics.
• Proficiency in IT applications (MS Office, Bloomberg, Thomson Reuters, FactSet).
• Strong interpersonal and communication skills.
• Proactive attitude and cross-border, cross-functional teamwork.

Responsibilities

• Assessing credit risk of potential and existing Italian corporate clients through qualitative and quantitative analysis of financial data.
• Providing independent written credit analyses to support credit processes and origination teams.
• Managing the corporate portfolio line-by-line, including annual reviews, covenant management, waivers or amendments, and watchlists.
• Contributing to Portfolio Opinions on cash financings with a focus on ESG trajectory and Basel 4 portfolio metrics.
• Credit monitoring with proactive portfolio management and credit recycling strategies.
• Periodic reporting on the Global Italian Portfolio with insights by Business Lines and forward-looking indicators.
• Support for the French Real Estate Portfolio team in Italian files.

Skills

Fluency in English

Italian language

IT applications

Cross-functional teamwork

Proactive attitude

Education

Bachelor's or Master's in Finance or Economics

Tools

MS Office

Bloomberg

Thomson Reuters

FactSet

Job description

For this position, you will provide support to the Head of Italy Portfolio and more specifically:

• Assessing the credit risk of potential and existing Italian corporate clients through a qualitative and quantitative analysis of all financial data (annual reports, financial statements, business plans, credit/equity researches, etc.) oriented to draft credit applications and propose/revise internal ratings;
  
• Providing an independent and written credit analysis to support credit process and origination teams;
  
• Line by line management of the entire corporate portfolio, both for cash financings and other bank products by carrying annual reviews, covenant management, waivers or amendments, watchlists (in due time);
  
• Assisting in Portfolio Opinions on new proposed cash financings into ESG trajectory, with a strong focus on the portfolio greenification strategy of the bank, scarce resources management into Basel 4 and portfolio metrics assessment;
  
• Credit monitoring with a risk anticipation/optimization approach through proactive portfolio management (distribution via secondary sales and other alternative solutions of credit recycling);
  
• Periodic reporting on the Global Italian Portfolio with a centralized insight into all the assets split by Business Lines, with a complete analysis of key indicators on a current and forward-looking basis;
  
• Support for the French Real Estate Portfolio team - based in Paris - on Italian Real Estate files.
  

This position is only open to candidates who are eligible for the Business France V.I.E program:

• - French or European Union citizens
• - Between 18 and 28 years old
• - To be from a country other than the host country
• - Graduated
• Bachelor's degree/Master of Science degree in relevant field (Finance, Economics, etc.).Proficiency in IT applications (MS Office, Bloomberg, Thomson Reuters, FactSet, etc.).Fluency in English and a good knowledge of Italian, both written and spoken.Strong interpersonal and communication skills.Proactive attitude and natural inclination towards a cross-border/cross-functional team-based in a collaborative environment.