Manager Credit Risk Analysis Real Estate

Manager Credit Risk Analysis Real Estate

• Permanent
• 17265
• Paris

Natixis Corporate & Investment Banking is a leading global financial institution that provides advisory, investment banking, financing, corporate banking and capital markets services to corporations, financial institutions, financial sponsors and sovereign and supranational organizations worldwide.

Our teams of experts in close to 30 countries advise clients on their strategic development, helping them to grow and transform their businesses, and maximize their positive impact. Natixis CIB is committed to aligning its financing portfolio with a carbon neutrality path by 2050 while helping its clients reduce the environmental impact of their business.

As part of Groupe BPCE, the second largest banking group in France through the Banque Populaire and Caisse d’Epargne retail networks, Natixis CIB benefits from the Group’s financial strength and solid financial ratings (Standard & Poor's: A+, Moody's: A1, Fitch Ratings: A+, R&I: A+).

We are looking for a Manager to lead the Real Estate credit analysis team in the Specialized Lending (SL) division, which also includes the Commodities and Real Assets activities (Infrastructure/Projects, Aviation and Real Estate). You are responsible for the organization and distribution of work within a team of 6 credit analysts, managing approximately 600 credit applications per year. Your team also intervenes on various cross-cutting topics and projects related to the real estate portfolio.

The geographic area covered is mainly in Europe (France, Germany, Italy and Spain), with significant interactions with our German mortgage bank (NPB) and our teams based in the US, London and Asia, making this function a truly global role.

On a daily basis, your day-to-day tasks will include:

• Team management: Organize the distribution of credit analysis requests processed in workflow or for passage into credit committees as well as transversal topics;
• Credit review validation: Review and approve team analyses, which must challenge business reviews. Support the team’s positions and recommendations at credit committees, especially for complex files;
• Exercise of a credit delegation
  ;
• Proactive monitoring
  of the portfolio and identification of sensitive files to exchange with the management of the Risk Department in advance and possible inclusion on a Watch List;
• Representation of risks: Promote your recommendations / those of your teams in the credit committees, thus representing the Risk Department for the final decision making;
• Managing cross-cutting topics: Organise and actively participate in the management of topics beyond the scope of Real Estate within the division and across departments;
• Model management: Ensure the proper use and evolution of our rating and LGD models, taking into account our back-testing and portfolio developments.

You play a key role in setting up new operations, working with the business lines, and are proactive in managing and tracking risks and models (rating and LGD). You also participate in the projects of the SL division and the Credit Risk Department, whether they are internal, linked to the BPCE group or to the regulator.

You work in an international environment, within a community of experts that places excellence, impact and collective action at the heart of everything it does.

#Transformative Finance

This position is based in Paris with the ability to work from home.

As a Top Employer, we put our employees at the center of our attention. Internal mobility, career development and training allow you to grow and flourish throughout your journey.

You work in a hybrid, inclusive and collaborative environment.

You also have the opportunity to support society and causes that are important to you through our corporate foundation.

As a responsible employer and committed to building an inclusive work environment, we offer equal opportunities for all talents regardless of age, background, sexual orientation, disability...

About the recruitment process

You will be contacted by one of our recruiters before meeting with our business experts (manager, team member or branch)

About you:

If you recognize yourself in the following description, you are made to work with us!

With a degree in finance, you have at least 10 years of experience in the banking sector, particularly in credit analysis within a Corporate & Investment Bank (CIB), as well as confirmed experience as a leader manager.

You are proficient:

• Credit analysis, including financial projections, structuring and legal documentation of transactions;
• Team management.

You have an excellent relationship, a very good listening ability, you are:

• Rigorous, organized and autonomous;
• A Leader who inspires and motivates the team around shared goals;
• an effective communicator who is comfortable defending his or her position.

You master English with a C1 level.