US Analyst - Credit Analyst - Risk and Control

US Analyst - Credit Analyst - Risk and Permanent Control

DEPARTMENT: Risk and Permanent Control |

Reports to:

Senior Credit Officer

US ANALYST PROGRAM

The US Analyst program offers an opportunity for recent college graduates interested in finance and corporate/investment banking to actively participate in this fast-paced and challenging industry. The standard analyst program lasts two years, with analysts hired on an initial one-year contract. At the end of the two-year period, top candidates are developed into Full‑Time Associate positions. We provide our analysts with the tools necessary for professional growth and career advancement.

Analyze and recommend counter party credit exposures proposed by business units in the Americas. Assigned to the Power and New Energy Healthcare team within Counter party Risk Analysis, with flexibility to support other projects as needed.

• Review credit requests from Front Office for completeness; interface with originators to obtain additional documents, projections, industry data, or other required information.
• Write comprehensive credit analyses evaluating the borrower's industry, competitive position, financial statements (balance sheet, income statement, cash flow), projections, transaction structure, exposure size, risks, and mitigants.
• Review and recommend borrower credit ratings using the bank's internal rating model.
• Collaborate with the Sector Head to determine final recommendations for Senior Management and the Credit Committee.
• Manage file completion under the supervision of the Senior Credit Analyst and Sector Head to meet deadlines.
• Verify data inputs (risk ratings, profitability assumptions) in databases and resolve issues with commercial units.
• Monitor risk in the assigned portfolio and prepare quarterly reports on sensitive names.
• Support ad hoc portfolio or counter party research requests.

• Internal:
  Front Office, Senior Credit Analyst, Sector Head, Commercial Units
• External:
  Borrowers, Industry Sources

Minimal education level: Bachelor Degree / BSc Degree or equivalent

Essential:

• Bachelor's degree in Finance or a related field
• Prior internships in credit analysis
• Strong credit analysis skills
• Experience analyzing balance sheets and income statements
• Understanding of cash flow and projection models
• Understanding of risk exposure and sizing
• Ability to analyze and summarize information
• Ability to prioritize effectively and work autonomously
• Strong teamwork and adaptability
• Effective decision‑making skills
• Fluent in English
• Eligible to work in the U.S. without visa sponsorship now or in the future

Desirable:

• MBA or CFA
• Working knowledge of Spanish or French

Languages: English

Location: New York, United States

Contract Type: Fixed‑Term Contract (24 months)

Expected

Start Date:

25/05/2026