Analyste cautionnement; F​/H - Analyste cautionnement; F​/H

About Us

Within CIC CIB (the direction for large corporate and institutional accounts of Crédit Mutuel Alliance Fédérale), you will be responsible for the analysis of counter parties as well as the drafting of credit files, in direct collaboration with Coverage Analysts and Advisory Bankers, for their presentations to the Committees of Commitments.

As part of the follow-up of your files, you will be in contact with the interlocutors of all business lines of the Group, the international branches of CIC as well as the regional banks of the Group.

As a trainee/intern, you will be followed by a reference Coverage Analyst during your training.

Main Activities / Tasks of the Position

• Analysis, follow-up and writing of reasoned notes on the credit risk quality of counter parties in their sectors of activity based on economic, financial and extra-financial criteria during the implementation of new commitments or in the context of annual reviews.
• Compilation and financial analysis of consolidated accounts (IFRS or US GAAP standards) and social
• Presentation of files, with Advisory Bankers, to the CIC CIB Committee of Commitments
• Elaboration and updating of internal ratings of counter parties
• Realization of financial modeling
• Analysis and update of sector studies and extra-financial studies (ESG criteria)
• Monitoring and management of Risk and Commitment data in the various tools of the Bank's Information System
• Writing of preparatory notes for client meetings
• Contribution to various reporting works, requests for information or studies emanating from the different services or entities of the Group.

Crédit Mutuel Alliance Fédérale is a committed and socially responsible actor. The group chooses a social policy encouraging the development of skills and internal promotion, high-level social protection as well as a voluntary policy in terms of diversity, professional equality and work-life balance to accompany its 77,000 employees daily. Concretely, at Crédit Mutuel Alliance Fédérale, our employees benefit:

• a participation and interest share bonus that can reach two months of gross salary depending on the results of the group.
• enhanced social protection
• at least one training action each year (95% of employees)
• an advantageous parental policy
• preferential banking and insurance conditions
• an integration path for any new arrival
• guidance to promote your geographical and functional mobility

Knowledge and Skills

· Minimum of a Bachelor's degree (Bac+5).

· Mastery of Office Pack (especially Excel)

· Fluent English

Know-how

• Curiosity and rigor
• Strong reactivity
• Work in autonomy
• Team spirit
• Excellent relational qualities
• Synthesis capacity
• Ease in speaking