CDI

Department Head Credit Risk – Loan Review

Publiée le 09/10/2020

  • NEW YORK - Etats-Unis d'Amérique
  • Inspection / Audit

Description du poste

Summary: The Head of Loan Review Americas is responsible for ensuring an independent 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. Reports are to be sent to Management in New York and Paris. 
Key Responsibilities: Develop and maintain Credit Risk Loan Review policies and procedures, identify the staffing required to adequately run the department, hire and train staff for the department, plan the annual Loan Review schedule as well as multi-year loan review program, adjust program as necessary to recognize emerging risks, ensure that the quality of the credit reviews is maintained while improving efficiency and complete the adequate coverage of portfolio on an annual basis.  In particular:

•Define and continuously enhance credit risk review procedures and methodology in conjunction with internal audit central team including the steps to follow to conduct a loan review, the templates for credit write-ups and how to analyze technical credit risk concepts taking into account US specificities.
•Develop and execute an annual Loan Review Plan, by function/unit/portfolio, in accordance with relevant government statutes and regulations and Bank’s internal policies and procedures. Ensure full coordination of reviews and processes with Inspection Générale (CACIB and CASA) to optimize the use of bank’s resources and expertise.
  Prioritize reviews according to a Portfolio risk assessment, cycle, urgencies, and comprehensiveness.
•Deliver timely, high quality, credit risk reviews covering individual portfolio risk profile and portfolio trends; individual obligor risk rating validity, integrity and methodology as well as compliance with credit and operational policies and procedures governed both internally and externally. In particular, these reviews should comply with regulatory guidance (examination manual for US Branches and Agencies of FBO) and result in formalized Loan Review reports.
• Identification, in coordination with RPC and Business Lines, of problem credits, exceptions to loan policy, documentation exceptions and related issues and elevate concerns (as appropriate) to Business Line/Support Groups, as well as Senior Management
•Document and circulate Loan Review Program and Analysis, in a traceable way, and ensure proper follow up is executed when recommendations are made.
•Closely follow latest Loan Review trends and adapt the applications with the Regional Audit needs within Bank.

•     Ensure required Credit Review schedule is met and appropriate records, memoranda

 

 

    • Niveau d'étude minimum
    • Bac + 5 / M2 et plus
    • Formation / Spécialisation
    • MBA, CFA

      DESIRABLE
      Credit Certification, Audit certification

      10-15 years of experience in banking, credit analysis, and some restructuring experience
      Loan & Credit risk analysis experience and restructuring experience across a broad section of industries – real estate, oil & gas, project finance, C&I loans, large corporate. Well acquainted with legal documents
    • Niveau d'expérience minimum
    • 11 ans et plus
    • Soft skills
    • Organization and methodical
      Capacity to forge an independent and solid judgment
      Interpersonal skills to manage relationships with all Departments
      Organization and methodical
      Capacity to forge an independent and solid judgment
      Interpersonal skills to manage relationships with all Departments
      Analytical skills & judgment experience
      Credit competencies
      Communication in a clear and concise manner
      Management skills
      Assertiveness
      Oral Presentation & communication skills
      Ability to work under time pressure
  • A propos de Crédit Agricole Corporate and Investment Bank (Crédit Agricole CIB) Crédit Agricole CIB est la banque de financement et d'investissement du groupe Crédit Agricole, 12e groupe bancaire mondial par les fonds propres Tier1 (The Banker, juillet 2020). Près de 8400 collaborateurs en Europe, Amériques, Asie-Pacifique, Moyen-Orient et Afrique, accompagnent les clients de la Banque dans la couverture de leurs besoins financiers à travers le monde. Crédit Agricole CIB propose à ses clients grandes entreprises et institutionnels une gamme de produits et services dans les métiers de la banque de marchés, de la banque d'investissement, des financements structurés, de la banque commerciale et du commerce international. Pionnier dans le domaine de la finance Climat, la Banque occupe aujourd'hui une position de leader sur ce segment avec une offre complète pour l'ensemble de ses clients. Pour plus d'information : www.ca-cib.fr Twitter: https://twitter.com/ca_cib LinkedIn: https://www.linkedin.com/company/credit-agricole-cib/

Crédit Agricole CIB
Crédit Agricole CIB
Crédit Agricole CIB

Crédit Agricole CIB

Department Head Credit Risk – Loan Review

Publiée le 09/10/2020

CDI
  • NEW YORK - Etats-Unis d'Amérique
  • Inspection / Audit
  • 2020-51521

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