Job description

Business type

Types of Jobs - Risk Management / Control

Job title

US Analyst - Credit Analyst - Risk and Permanent Control

Contract type

Fixed-Term Contract

Term (in months)

24

Expected start date

25/05/2026

Management position

No

Job summary

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 is two years, with analysts hired on an initial one-year contract. The goal of the analyst program is to develop top candidates into Full-Time Associate positions at the end of the two-year period. We provide our analysts with the tools necessary for professional growth and career advancement.

ROLE SUMMARY

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

KEY RESPONSIBILITIES

• 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 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 Sector Head to determine final recommendations for Senior Management and Credit Committee
• Manage file completion under supervision of 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 assigned portfolio and prepare quarterly reports on sensitive names
• Support ad hoc portfolio or counterparty research requests

KEY CONTACTS

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

Position location

Geographical area

America, United States Of America

City

NEW YORK

Candidate criteria

Minimal education level

Bachelor Degree / BSc Degree or equivalent

Experience

Essential:

• Bachelor's degree in Finance or related field
• Prior internships in credit analysis
• Strong credit analysis skills
• Balance sheet and income statement analysis experience
• 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 English
• Must be eligible to work in the US without visa sponsorship now or in the future

Desirable:

• MBA or CFA
• Working knowledge of Spanish or French

Languages

English