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- Conduct detailed credit risk assessments and prepare written risk opinions and analysis
- Conduct due diligence calls or visits when appropriate; professionally represent the bank with clients
- Articulate a convincing case in support of the risk opinion to senior management and credit committees
- Work with those on the business side including sales desk.
- Recommend credit terms and conditions within trading documentation ISDA, MRA and MSLA's.
- Stay connected with industry trends and macro issues which may impact the portfolio; be able to recommend changes or action impacting specific clients or groups of clients.
- Maintain a good understanding of the regulatory environment in which our counterparties operate.
Credit Risk Analyst - New York, United States - Groupe BPCE
Description
Poste et missionsThe Director- or ED-level Credit Analyst position will be part of the Funds Risk team, which covers regulated funds, hedge funds, private equity funds, and agent lenders (for stock borrowing). The Credit Risk team is considered the second line of defense at Natixis, and accordingly, the focus will be on the assessment of the credit requests and the formulation of a written risk opinion, which may be presented to Credit Committee. In line with Natixis' policies and procedures that govern credit processes (including proper use of internal rating models, LGD models and RWA models), the Credit Analyst will identify the potential risk(s) and positive attributes of each deal with the ultimate goal being the support of the business while avoiding undue risk and credit loss. The Credit Analyst also conducts annual reviews, processes amendments and modifications, monitors the Financial Institutions portfolio, and participates in the quarterly watch list meetings, if necessary. Additional responsibilities will include forward-looking identification of macro factors affecting the portfolio, portfolio monitoring and analysis.
He/she/they will be responsible for providing analysis on funds, mainly hedge funds and private equity funds, and, to a lesser extent, real estate investment trusts ("REITS") and business development companies ("BDC's"); the role will include but will not be limited to:
The salary range for at the ED-level for this position will be between $235,000 - $300,000. Natixis is required by law to include a reasonable estimate of the compensation range for this role. Actual base salary will vary and will be based on several factors including, but not limited to, relevant experience, education, skills set, applicable licensure and certifications, and other business and organizational needs. Base salary is only one component of our total rewards package. Natixis also offers a generous benefits package, and you may be eligible for a discretionary incentive award depending on company and individual performance.
Profil et comptences requises
Bachelor's degree from an accredited university/college.
10+ year's credit experience required, either as part of the Front Office, Credit Risk, or Loan review.
Strong credit knowledge in some of the following lending activities: Aviation, Commodities, Energy, Leveraged Finance, Project Finance, Real Estate, or Securitization. Experience in Latin American credits is a plus.
Strong ability to interact with the Front Office and Credit Risk professionals, as well as effectively interact with regulators. While not required, experience as a regulator is a plus.
Effective verbal and interpersonal skills.
Accounting knowledge (coursework or practical experience) is a plus
Knowledge of loan documentation fundamentals.
Promote teamwork and maintain effective working relationships.
Strong working knowledge and proficiency in Microsoft products (Word, Excel, PowerPoint).
Knowledge or French language not required, but a plus.