Senior Credit Analyst

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

Job summary

A leading financial institution seeks a Senior Credit Analyst to analyze and recommend credit exposures for various portfolios in Chicago. The role requires strong analytical skills, experience in credit analysis, and the ability to work with commercial units effectively. Applicants should have a Bachelor's in Business or Finance, with an MBA or CFA being a plus, and at least 6 years of relevant experience in the banking sector.

Qualifications

• Bachelor’s degree in Business/Finance or related field.
• MBA or CFA is preferred.
• 6+ years of experience at a bank/credit rating agency.

Responsibilities

• Analyzes and recommends counterparty credit exposures.
• Writes comprehensive credit analyses for borrowers.
• Monitors risk in assigned portfolio and prepares quarterly reports.

Skills

Strong credit skills

Balance sheet and income statement analysis

Understanding of cash flow and projection models

Understanding of risk exposure

Fluent English

Lucid written and verbal communication skills

Education

Bachelor’s degree in Business/Finance or related field

MBA or CFA

Tools

Microsoft Office Suite

Job description

• Provide the basic functions of the website;
• Allow users to use social media features;

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.com

Twitter: https://twitter.com/ca_cib
LinkedIn: 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.

Reference

2025-96822

Reference

2025-96822

Update date

13/02/2025

Business type

Types of Jobs - Risk Management / Control

Job title

Senior Credit Analyst

Contract type

Permanent Contract

Job summary

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:
• 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.
• 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.
• Reviews and recommends the borrower’s credit rating using the bank’s internal rating model.
• Works with supervising Sector Head to determine a final recommendation to be presented to Senior Management and Credit
Committee.
• Manages the completion of the file under the supervision of the Sector Head in order to meet deadlines.
• Verifies data inputs (including risk ratings, profitability assumptions) within several databases and works with commercial units to
resolve issues, if any.
• Monitor risk in assigned portfolio and prepare quarterly reports on sensitive names
• Works on various ad hoc portfolio or counterparty research requests.
• Help 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

#LI-DNI

Geographical area

America, United States Of America

City

CHICAGO

Bachelor Degree / BSc Degree or equivalent

Required:

Bachelor’s degree in Business/Finance or
related field

Preferred:

MBA or CFA a plus.

Level of minimal experience

6-10 years

Experience

Required:

6+ years of experience at a bank and/or
a credit rating agency with both
investment grade and non-investment
grade credits

Preferred:

- Bank Credit Training from a wellknown
institution a plus.
- Experience in sectors covered a
strong plus.

Required skills

Technical skills
- Strong credit skills
- Balance sheet and income statement
analysis experience
- Understanding of cash flow and projection
models
- Understanding of risk exposure and size

Competencies Required:
Strong ability to:
- Succinctly analyze and summarize
information
- Ability to prioritize effectively
- Ability to work autonomously
- Ability to work successfully in a
team
- Adaptability to changing
environments
- Effectiveness at decision making
- Ability to deal with issues

Skills & Knowledge Requirements:
- Fluent English
- Credit analysis experience
- Microsoft Office Suite
- Lucid written and verbal
communication skills
- Capacity to develop others
- Capacity to delegate
- Capacity to cooperate / work
across discipline