Job Description

Roles & Responsibilities

Making decisions on credit files under his authority
validating requests for exemptions and authorizing occasional transactions
Being the Credit reference person, the main contact channel for networks, specialized back offices and the Risk department on the subject of commitments
Proposing and participating in the definition of credit objectives and the sales action plan
Monitoring the evolution of risks
to decide on credit files under his delegation
validate requests for exemptions and authorize ad hoc operations
He makes decisions on funding requests submitted to him by the network and which fall within his authority levels.
He centralizes files outside of delegated personal powers, provides a reasoned opinion, and forwards them for a decision according to the applicable approval process and procedure.
He quickly decides to respect quality standards in customer relations and in accordance with the commercial strategy.
He verifies the existence and consistency of counterparties in accordance with the validated risk policy, assesses their nature, and monitors their implementation.
It adapts the financial conditions and other commercial exceptions, taking into account the overall profitability and development potential of the relationship.
It authorizes ad hoc operations within the scope of its activity (overruns, noteworthy operations, etc.) and ensures smooth and rigorous management of DAD/DAE
To be the Credit reference, the preferred contact for networks, specialized back offices and the Risk Department on commitment matters
It helps salespeople master negotiation practices and techniques.
He assists them in negotiating pricing terms and commercial considerations.
It encourages commercial networks to systematically seek counterparties, raises their awareness of risks, and protects the bank's interests in lending activities.
It serves as a training hub for commercial networks, is involved in skills transfer, and disseminates best practices.
He monitors the competitive landscape of the credit market (primarily regarding pricing and terms of service...)
It serves as the natural interface between the Group's subsidiaries and other entities involved in credit-related activities (Insurance, etc.) for the purpose of seeking agreements.

Desired Candidate Profile

Master's degree (Bac +5) in finance, banking or management
Proven experience in corporate credit analysis (minimum 5 years)
Solid knowledge of banking risks and financing products
Experience in a corporate/business environment

Corporate Commercial Decision-Maker Client of Emploi Partner

Corporate Commercial Decision-Maker
Client of Emploi Partner