RPC - Senior Credit Analyst, Chicago Office

Crédit Agricole CIB

Chicago (IL)

On-site

USD 120,000 - 165,000

Full time

14 days+

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Job summary

Crédit Agricole CIB in Chicago seeks a seasoned credit professional to lead credit analysis and RPC-related tasks for diversified industries, with emphasis on automotive. Based in Chicago, you will engage with Front Office and risk teams to analyze borrowers, present findings, and support credit decisions.

The role requires strong analytical skills, experience in credit risk, and the ability to coordinate with global teams.

Qualifications

7+ years of credit experience at a bank and/or a credit rating agency.
Experience covering automotive sector is a strong plus.

Responsibilities

Prepare first level credit analysis and preliminary credit applications for RPC based on Front Office requests.
Prepare and review second level RPC opinions, including independent borrower analysis and transaction structure.
Review and verify internal ratings; run the Crew process.
Present RPC opinions to RPC management and NYCC; liaise with Front Office teams for information.
Coordinate with RPC Paris to resolve inquiries and rating validations.
Monitor sectors/portfolios and report to senior management locally and in Paris.
Contribute to portfolio reviews, risk committee documents, audits, and special projects.
Ensure data quality in risk systems (Crew/Eurecca/RICOS/Dafne).
Analyze counterparties across sectors as workloads require.

Skills

Credit analysis

Financial modelling

Legal documentation

Clear written and verbal communication

Microsoft Office

Education

Bachelor’s degree in Business

Tools

Microsoft Office Suite

Job description

Responsible for processing credit requests and annual reviews in Diversified Industries (emphasis on Automotive).

Position based in Chicago.

Key Responsibilities:

For assigned files for which RPC is responsible for the primary credit analysis, preparation of the first level credit application and analysis based on requests received from the Front Office including:
Presentation of sector trends and drivers, and counterparty market position. Peer comparison.
Detailed presentation of financial statements and financial projections when applicable.
Review of legal protections including credit and trading agreements, guarantees and financial covenants as applicable.
Prepare and/or review Internal ratings.
Submission of files to NY Credit Committee via email or in person.
Processing of Crew and Dafne.

For assigned files for which the Front Office prepares the first level credit application, preparation of the second level RPC opinion, including independent analysis of the borrower, transaction structure, term sheet, financial models, etc.
Review and verify Internal ratings. Run the Credit Process: Crew.
Presentation of the RPC Opinion to RPC management and to the NYCC. Frequent interaction with the various Front Office teams to gather additional information concerning the client, discuss credit risk issues and mitigants, and obtain relationship profitability information and commercial
Active coordination with RPC Paris to answer any inquiries for additional information/explanations, follow-upon 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 Paris as appropriate. Participation to Early Warning and SAR meetings as necessary.
Contribute to portfolio reviews, preparation of documents for US Risk Committee, audit assessments, loan reviews, or special projects as needed.
Data Quality: verify accuracy of, and correct as necessary, data in risk systems (Crew/Eurecca/RICOS/Dafne etc.).
May also be asked to analyze counterparties in different sectors depending on workloads.

Key Internal Contacts: