Senior Credit Analyst

Crédit Agricole Group; Chicago (IL); On-site; USD 140,000 - 170,000; Full time

Job summary

An established industry player is seeking a Senior Credit Analyst to join their dynamic team in Chicago. This challenging role involves analyzing and recommending counterparty credit exposures for diverse portfolios, including LBOs and corporate clients. You will be responsible for conducting thorough credit analyses, evaluating financial statements, and preparing reports for senior management. The ideal candidate will possess strong financial analytical skills, experience in credit risk analysis, and a passion for mentoring junior analysts. Join this forward-thinking organization and make a significant impact in the field of credit risk management.

Qualifications

• Experience in credit risk analysis and financial assessments.
• Strong analytical skills with a focus on industry and competitive analysis.

Responsibilities

• Analyze and recommend counterparty credit exposures for various portfolios.
• Prepare comprehensive credit analyses and evaluate borrower's financials.

Skills

Credit Risk Analysis

Financial Analysis

Industry Research

Mentoring

Education

Bachelor's Degree in Finance or related field

Master's Degree in Business Administration (MBA)

Tools

Credit Rating Models

Databases for Risk Assessment

Job description

Job Title: Senior Credit Analyst (VP or Director)

Summary:
Challenging Senior Credit Analyst position in Credit Risk Analysis Chicago (“CRA”). The Senior Credit Analyst analyzes and recommends counterparty credit exposures, which are proposed by the bank’s business units in the Americas. The Senior Credit Analyst is assigned a portfolio that includes companies in the LBO, Global Commodity Finance and U.S. diversified corporate portfolios.

Key Responsibilities:

1. Upon receipt of a credit request generated by the Front Office (commercial unit), the Credit Analyst reviews it for completeness, interfacing with the originators to obtain necessary additional documents, projections, industry data or other information required for a thorough understanding of the risk.
2. Writes a comprehensive credit analysis, evaluating the borrower’s industry, competitive position, balance sheet, income statement, cash flow statements and projections, the structure of the transaction, exposure size and risks and mitigants in the proposal.
3. Reviews and recommends the borrower’s credit rating using the bank’s internal rating model.
4. Works with supervising Sector Head to determine a final recommendation to be presented to Senior Management and Credit Committee.
5. Manages the completion of the file under the supervision of the Sector Head in order to meet deadlines.
6. Verifies data inputs (including risk ratings, profitability assumptions) within several databases and works with commercial units to resolve issues, if any.
7. Monitors risk in assigned portfolio and prepares quarterly reports on sensitive names.
8. Works on various ad hoc portfolio or counterparty research requests.
9. Helps mentor and train junior analysts.

Key Internal Contacts:
Local RPC teams, Local Front Office teams, Loan Review team, Head Office RPC SCS and Front Office

Salary Range: $140k - $170k