Credit Analyst (F/O)

Company Description

Second largest banking group in France, Groupe BPCE is a robust, socially committed cooperative banking group. Drawing on the strength of the roots we have developed in local communities, we serve a total of 30 million clients globally, including 9 million cooperative shareholders who own 100% of the capital of the Banques Populaires and Caisses d’Epargne via their cooperative shares.

At BPCE Equipment Solutions, we are proud to accompany the big and small transformations that shape significant industries. With approximately 1,600 employees and our presence in 14 countries, we are regularly awarded, notably at the Leasing Life Awards as "SME Champion of the Year" and/or "European Lessor of the Year."

We are a leader in Europe and the second-largest player in the world in equipment financing. Backed by the strength of Groupe BPCE and deeply connected to the field, we are proud to create responsible integrated equipment solutions. We are a great place to work, driven by simplicity, agility, and sustainability.

At BPCE Equipment solutions we are “Financing Ambition & Empowering Progress”

Job Description

The proposed position is a credit analyst position within the CAG (Credit Assessment Group) of the RISQ team at BPCE ES. It aims to ensure the supervision of credit risks for BPCE EQUIPMENT SOLUTIONS, essentially through the analysis and validation of credit requests from the various entities of BPCE ES as well as reviews of the limits granted to BPCE ES' partner vendors. It is practiced in a very international environment requiring fluency in both written and spoken English, BPCE ES being present in many countries in Europe, America (United States, Brazil) and China.

This position is now attached to the Risk Department of BPCE ES, and is located in Defense.

The files received include (i) credit requests from BPCE ES subsidiaries, which were subject to a credit analysis of 1er level by the local RISQ team, (ii) reviews of limits on vendors.

The tasks of the credit analyst include:

Review of the credit quality of the counterparty and the proposed rating

Second-level credit analysis of final counterparties (companies, financial institutions or sovereigns) and SGEF’s partner vendors

Qualification/ justification of the credit quality of the counterparty

Validation of the proposed rating for the counterparty

Verification of the proper use of the rating models used

Drafting an opinion on the credit application

Review of the structure of the proposed transaction, or of the program between BPCE ES and its partner Vendor

Verification of its alignment with the Groupe and BPCE ES policies and instructions

Review of the analysis carried out by BPCE ES of the financed asset underlying

Dialogue with local teams to obtain clarifications or clarify their opinion when necessary

Decision-making on credit requests and reviews of Vendors programs

Autonomous decision-making by the analyst, within the framework of his credit delegations, on the basis of a reasoned analysis

Presentation of the request to its management or credit committee if the request exceeds the delegations of the analyst

The contribution to different transversal tasks of the team

Dissemination of the risk culture and strengthening of knowledge in financial analysis within the teams of analysts of BPCE ES subsidiaries

Participation in the risk committees of BPCE ES’s subsidiaries

Contribution to cross-functional topics related to credit risk, such as credit policies, ESG issues, thematic analyses, etc., particularly in the context of recent integration within the BPCE group

Continuous improvement of data quality

Collaboration with the PAG team (Portfolio Analysis Group) on various topics such as watchlist, default, ratings, sector reviews, etc.

Required Skills/Qualifications/Experience

You have at least 5 years of confirmed professional experience (excluding internships and work-study programs), in credit analysis or financial analysis.

You are recognized for your curiosity, rigor, organization, and autonomy

You have good dialogue skills, which are necessary to exchange, present, and defend your decisions vis-à-vis the partners in subsidiaries, the sales team, the Group Risk Department (DRG), and management.

You have good writing skills, to support your decision

Beyond processing credit files, you are curious and eager to work on cross-functional topics related to credit risk.

In particular, you are proficient in English, both orally and in writing