VP - RPC Senior Credit Analyst - Chicago

Crédit Agricole Group; Chicago (IL); On-site; USD 165,000 - 200,000; Full time

Job summary

Crédit Agricole Group in Chicago seeks an experienced credit professional to manage processing of credit requests and annual reviews within Diversified Industries, with emphasis on the Automotive sector. The role is based in Chicago and involves close collaboration with Front Office and risk teams to ensure accurate financial analysis and timely credit decisions.

You will prepare and review credit applications, present sector insights, and coordinate with Paris RPC for ratings validations and

Responsibilities

• For assigned files, prepare first-level credit analysis and initial credit application from Front Office requests.
• Present sector trends/drivers and counterparty market position; peer comparison.
• Detailed presentation of financial statements and financial projections when applicable.
• Review 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.
• Prepare second level RPC opinion including analysis of borrower, transaction structure, term sheet, financial models.
• Review and verify internal ratings; run the Credit Process: Crew.
• Present RPC Opinion to management and NYCC; interact with Front Office to gather information and discuss risk issues and profitability.
• Support/strategy.
• Coordinate with RPC Paris to answer inquiries, follow up on rating validations, and communicate credit issues and trends as appropriate.
• Monitor sectors/portfolios and inform senior management locally and in Paris; attend Early Warning/SAR meetings as needed.
• 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.

Job description

Purpose:

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
• support/strategy.
• Active coordination with RPC Paris to answer any inquiries for additional information/explanations, follow-up
  on 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:

• Reporting to Sector Credit Officer based in Chicago
• Local RPC teams (Counterparty Risk, Market Risk, Admin-Monitoring and Projects)
• Local Front Office teams (ITB, GCF, CIB)
• Home Office RPC SCS and Front Office
• Loan Review Team
  

Salary Range:

$165K-$200K