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Loan Review VP will assist in the implementation of the credit review of the Loan Portfolio booked in the US Branches and offices of CACIB on a timely basis. This review covers in particular the adequacy of the credit risk ratings for loans booked in the Americas, assessment of the quality of supervision of the loan documentation, management of collateral, the tracking and updating of files and ongoing file management in accordance with the Risk Policies and Procedures of CACIB and to generate reports documenting the results of portfolio and individual file reviews. The individual will work closely with and under the direction of the Head of Loan Review together with the existing team to define the sample of credits to be reviewed within each portfolio, analyse the selected credits, write the credit analyses, document the findings and recommendations and then follow up on the implementation of those recommendations. In addition, the analyst will participate in the presentation of the analysis, findings and recommendations to various departments involved in generating, underwriting, approving and monitoring the credit facilities. Reports are to be sent to Management in New York and Paris.
Job Responsibility
Work with the Head of Loan Review and other team members to develop goals, objectives, and plans for each portfolio review and the department
Prepare on a timely basis, credit file reviews which will include analysis of the initial credit underwriting and updates provided through the RPC annual review process, verification of the rating classification of the risk in accordance with the rating matrix guidelines (Anadefi data entry verification) and regulatory loan classification guidelines, confirmation that credit documentation reflects the business terms in accordance with the credit approvals, review collateral for determination of adequacy in accordance with agreements and credit approvals
Analyze for each file the individual obligor risk rating re-validation process, as well as compliance with credit and operational policies and procedures governed both internally and externally
Present reviews to general management of the Business Lines and to the Risk department
Document work in a traceable way
Make presentations of portfolio review reports with findings, conclusions and recommendations to other internal departments
Perform continuous monitoring risk assessments across assigned portfolios
Closely follow changes in accounting standards that may impact the credit analysis of international corporate credits
Maintain level of awareness for new Loan Review and/or Audit trends and adjust accordingly
Assist the Head of Loan Review with responding and communicating with internal and external auditors (Regulatory & Bank auditors) during exams
Requirements
BA in finance, business, accounting or related field
8-10 years of experience in banking, with focus in credit risk
Loan & Credit risk analysis experience across a broad section of industries – real estate, project finance, leveraged loans
Ability to 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
Ability to cooperate
I work across disciplines
Ability to work under time pressure
Accounting & financial analysis skills
Credit competencies
Excel, Word, PowerPoint, Capital IQ
Verbal, Written, Presentation & communication skills