Senior Credit Risk Restructuring Analyst – Gestion Intensive et Préventive (M/F)

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  • The Intensive and Specific Management (GIP) unit, dedicated within Credit Risk Management to handling potentially problematic loans and counterparties, helps to reduce credit risk through a proactive approach while attempting to minimize potential losses for the Bank in the event of default. The team is looking for a Credit risk restructuring analyst who will be working on Private and Retail client.
  • As the centralizing element of Credit Risk Management, the GIP team is responsible for:
  • Taking primary responsibility for managing potentially problematic loans and defaulted exposure which includes effective coordination with different internal stakeholders : Relationship Management, Legal Department, Back Offices, Credit Risk Management department and, where appropriate, Compliance
  • Presenting to Credit Committee a concise view/overview of problem loan situations, including file strategy, assessment of options and recommendation.
  • In collaboration with the Relationship manager, negotiate and implement long-term restructuring solutions, take a lead in negotiations with clients and potential other lenders. Implementation and monitoring of the action plan approved by Default Committee including in specific cases documentation execution.
  • Preventive detection of (potentially) problematic loans through assessment of early warning indicators
  • Daily Monitoring excesses and overdrafts including collateral deficit management. Carrying out provision assessments on non-performing loan cases.
  • Preparing supervision lists (Special Mention, Watchlist, NPL, Forbearance)
  • Effective data management in connection with cases in restructuring before default
  • Participation in the development of monitoring guidelines or forbearance and non-performing procedures and policies, support and control systems, and working tools.
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