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Senior Loan Review Analyst
- 23 avril
- United States
- CDI
Summary:
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, analyze 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.
Key Responsibilities:
·Work with the Head of Loan Review and other team members to develop objectives and plans for each portfolio review
·Prepare credit file reviews, which will include analysis of the initial credit underwriting, annual risk assessment by Credit Risk department, verification of the internal rating classification of the borrowers in accordance with the rating matrix guidelines, review of collateral for determination of adequacy in accordance with agreements and credit approvals, etc.
The review will also include an assessment of the accuracy and timeliness of Front Office / Credit Risk (RPC) updates with regards to changes in the credit profile of the borrowers ? including improvements as well as deteriorations.
·The individual will also 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.
File reviews will be aggregated into formalized reports in compliance with regulatory guidance (examination manual for US Branches and Agencies of the FBO).
·Present reviews to general management of the Business Lines and to the Risk department
·Make presentations of portfolio review reports with findings, conclusions and recommendations to other internal
departments following the review process to develop follow up program when recommendations are made
·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 & external auditors (Regulatory & Bank auditors) during exams
8-10 years of experience
Credit Risk skills and expertise across a broad section of industries including:
Project Finance
Real Estate
Leveraged Loans
LATAM experience a plus.
BA in finance, business, accounting or related field
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, analyze 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.
Key Responsibilities:
·Work with the Head of Loan Review and other team members to develop objectives and plans for each portfolio review
·Prepare credit file reviews, which will include analysis of the initial credit underwriting, annual risk assessment by Credit Risk department, verification of the internal rating classification of the borrowers in accordance with the rating matrix guidelines, review of collateral for determination of adequacy in accordance with agreements and credit approvals, etc.
The review will also include an assessment of the accuracy and timeliness of Front Office / Credit Risk (RPC) updates with regards to changes in the credit profile of the borrowers ? including improvements as well as deteriorations.
·The individual will also 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.
File reviews will be aggregated into formalized reports in compliance with regulatory guidance (examination manual for US Branches and Agencies of the FBO).
·Present reviews to general management of the Business Lines and to the Risk department
·Make presentations of portfolio review reports with findings, conclusions and recommendations to other internal
departments following the review process to develop follow up program when recommendations are made
·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 & external auditors (Regulatory & Bank auditors) during exams
8-10 years of experience
Credit Risk skills and expertise across a broad section of industries including:
Project Finance
Real Estate
Leveraged Loans
LATAM experience a plus.
BA in finance, business, accounting or related field
