Credit Analyst - Paris e, France - Riverbank S.A. French Branch
Description
RiverBank's mission is to be the digital bank that makes financing to SMEs and Real Estate professionals easy.From our offices in Amsterdam, Paris and Luxemburg, we act as a niche lending specialist.
Our core focus is to grant loans to Small and Medium Enterprises and Real Estate Investors in Europe using a fast, flexible and reliable IT platform.
RiverBank operates under a full and universal European Banking License delivering a one-stop shop approach in the entire EU.The talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence and strong teamwork.
RiverBank will offer an entrepreneurial environment within the regulatory banking framework - a place for people to learn, to achieve and grow.
Our culture will promote diversity and individual perspectives in an international environment, represented by more than 10 nationalities.-
Department Profile:_
The Senior Credit Analyst will report to the French Head of Credit as part of the Bespoke & Structured Loans Department.
The aim of the Department is to build a strong performing portfolio of loans to SMEs and Real Estate companies across Europe.
- Analyse, prepare and present credit cases within the bank
- Manage relationships with borrowers
- Review loan documentation together with the legal team
- Draft term sheets and engagement letters
- Anticipate any credit deterioration through active monitoring of borrowers using digital technology
- Participate in workout strategies together with the workout team
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Primary Responsibilities:_
- Analyzing, preparing and presenting credit cases to the Credit team and to the Credit Committee
- Supporting and interacting with the Credit and Sales teams in the analysis of new deal opportunities
- Taking an active role and participating in negotiations and in borrower relationships
- Reviewing legal documentations together with the Legal team
- Participating in the portfolio and borrower companies monitoring
Skills required:_
- Degree in Finance, Economics or Business Administration
- Minimum 3 years of experience in a similar role at a bank or private debt fund
- Knowledge of loan products and/or bonds and French law
- Strong analytical and writing skills
- Excellent numerical and financial modelling skills
- Good communication skills
- Fluent in French and English (knowledge of an additional language would be an asset)
- Honest and reliable
- Resultdriven
- Proactive and flexible
- Excellent team spirit
- Able to adapt quickly in a fastmoving environment
Job Types:
Full-time, Permanent
Status:
Cadre
Application Question(s):
- Are you eligible to work in France?
Experience:
- credit analysis: 3 years (required)
Language:
- English (required)
- French (required)
Work Location:
Hybrid remote in 75008 Paris 8e
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