Analyst/Associate - Securitization

Crédit Agricole SA; United States; On-site; USD 100,000 - 140,000; Full time

Job summary

Crédit Agricole CIB is seeking a qualified professional to support credit analysis, securitization structuring, and client interactions across multiple asset classes. You will build cash flow models, coordinate terms with external parties, and monitor covenant compliance for the conduit book.

The role involves on-site due diligence, preparing presentations, and coordinating booking processes within an international team. Fluency in English and French is preferred.

Qualifications

• Required: Series 7, 79 and 63 licenses or equivalent.
• Bachelor degree in a related field or equivalent practical experience.
• Experience in banking, securitization or credit analysis preferred.

Responsibilities

• Prepare credit analyses and financial models for various asset classes.
• Support structuring and execution of securitization transactions.
• Engage with clients, lawyers and banks to negotiate terms.
• Monitor covenant compliance and flag issues in conduit book.
• Prepare cash flow models for rating confirmation at renewal.
• Create presentations and pitch materials for clients.
• Participate in on-site due diligence and client visits.
• Coordinate transaction booking processes.

Skills

Team spirit

International environment

Fluent English

Fluent French

Credit products knowledge

Education

Bachelor Degree / BSc Degree or equivalent

Series 7, 79 and 63

Tools

Excel

VBA

Access

SIS

Phidias

ClientLive

Risk Portal

Galaxy

Job description

Summary
Participate in the execution and management of existing transactions along with aiding in the implementation process of new transactions (as required) funded in the Asset Backed Commercial Paper conduit and bank’s balance sheet.

Key Responsibilities

• Prepare credit analysis including financial modelling of underlying portfolio performance as well as financial modelling across a variety of asset classes (auto loan and lease, trade receivables, aircraft leasing, etc.) along with coordinating the credit process with the credit department
• Participate in the structuring and execution process of existing securitization transactions funded in the term Asset Backed Security or Asset Backed Commercial Paper markets and with new transactions (as needed).
• Participate in the negotiation and liaison of key terms with external parties including clients, lawyers, other banks, etc.
• Monitor key transaction performance trends on an on-going basis for the existing conduit book and alert the related Transaction Manager when any issues arise with respect to non-compliance of a transaction covenant
• At Transaction Renewal, prepare cash flow model to confirm rating attachment, maintain and audit client models on an ongoing basis for assigned deals
• Prepare presentations and pitch books for clients as required
• Participate in on-site due diligence reviews and client visits as required
• Participate in special projects as required
• Coordinate and execute the transaction booking processes

Management and Reporting

• Report to the Transaction Managers

Counterparties and Clients

• Develop and maintain relationships with peers in other organizations and within CACIB as well as with clients of the bank.

Communication

Key Internal Contacts

• Strong interaction with the relevant client coverage teams
• Credit Department
• Internal Legal Department
• Internal Compliance Department
• IT and Project teams

Key External Contacts

• Clients
• Law firms
• Other banks
• Rating Agencies
• Auditors

Systems Used

Internal
Microsoft Office (Word, Excel, PowerPoint), SIS, Phidias, ClientLive, Risk Portal, Galaxy (Cosmos, Legos, Comet, Altar)

External
Bloomberg, rating agency websites, EDGAR, etc.

Legal and Regulatory Responsibilities

• Comply with all applicable legal, regulatory and internal Compliance requirements, including, but not limited to, the US. Compliance manual and Compliance policies and procedures as issued from time to time. Financial Security requirements, including, but not limited to, the prevention of Financial Crime and Fraud including reporting obligations to the Money Laundering Reporting Officer.

Salary Range: $100k-$140k

Geographical area

America, United States Of America

City

Bachelor Degree / BSc Degree or equivalent

EducationRequirements

• Series 7, 79 and 63 a plus

Level of minimal experience

0-2 years

Experience

• Experience working in a banking environment along with transacting with clients, and presenting credit applications / proposals.
• Minimum of 1 to 2 years securitization experience

Required skills

Team spirit and ability to work in an international environment

Proficient in Excel, including VBA and Access

• Cash flow modelling and programing skills

Language skills: fluent in English

• Knowledge of corporate banking, credit products and other funding alternatives
• Fluency in French

Languages

General information

Entity

About Crédit Agricole Corporate and Investment Bank (Crédit Agricole CIB)

Crédit Agricole CIB is the corporate and investment bank of the Crédit Agricole group, the 10th largest banking group in the world.

We support major companies and financial institutions in their development and the financing of their projects.

As pioneers in responsible finance, social and environmental commitments are at the heart of our activities.

Joining our teams means working in a multicultural environment, both dynamic and stimulating, where you will contribute to developing a sustainable economy.

We support employees throughout their journey: you will develop your skills and access various mobility opportunities among the diversity of our businesses in more than 30 international locations.

Our culture is built on collaboration, innovation and openness, where everyone is valued and empowered.

By working every day in the interest of society, Crédit Agricole CIB aligns with the Group values committed to diversity and inclusion and placing people at the heart of all its transformations.

All our jobs are open to people with disabilities. We welcome applications from candidates of all backgrounds and experiences.

Ready to take part in our mission?

By balance sheet size - The Banker, Juillet 2025