Credit Analyst

**WHO WE ARE**

A modern and agile company with the most finely meshed international network, Coface is a reference in credit insurance and risk management. With over 70 years of experience as an industry leader, and a team of 4,100 experts in 100 countries, serving around 50,000 companies, Coface experts work to the beat of the global economy. Its ambition is to become the most agile, global trade credit insurance partner in the industry. We believe in business as a force for good in the world.

We support our clients everywhere they operate, protecting and helping them take the credit decisions necessary to strengthen their ability to sell on their domestic and export markets. Sharing a passion for trade, we want to collaborate with our clients to build successful, growing and more dynamic businesses. And by helping build stronger businesses, we contribute to the smooth-running of the economy. **This is our purpose.**

**THE JOB**

The Credit Analyst reviews financial statements, credit reports, and Coface’s own experience in order to assess the creditworthiness of a buyer and produce a Debtor Risk Assessment (DRA). He/she liaises with Underwriters in order to maintain coherence between the DRA and the risk exposure. The Credit Analyst is responsible for the monitoring of a portfolio of companies with small-medium aggregation of credit risks. Within specified industry sectors, he/she will:

- Contact companies through phone interviews and/or field visits to speak to executives and obtain financial and business information to assess their current situation. Gather and search for additional information (financial statement data, professional articles,...) where required
- Produce Debtor Reports demonstrating that information has been analyzed, where contradictions can be evidenced, conclusions are drawn and that the recommendation to underwriters is clear and precise
- Act on and respond to DRA revision requests from risk underwriters and analysts in other regions in a timely manner ensuring Service Level Agreements (SLA’s) are respected.
- Monitor risk and update assessments upon receipt of alert from internal (claims) and external sources, and send warnings on specific events to Underwriting.
- Participate to maintain the accuracy and consistency of our database of companies, with appropriate identifiers, links and coherence of DRA
- Pro-actively build and maintain good working relationships with underwriting and information colleagues.
- Communicate to underwriters and management any adverse information which is relevant to a review of exposure.
- Ensure compliance with regulations and procedures as laid down by Coface and external regulators
- Contribute to transversal projects according to skills and experience (vendor management, backoffice management, internal trainings etc )

**Qualifications**:
**THE CANDIDATE**

**In order to be successful in this role, you must possess the following**:

- Bachelor Degree required with a concentration in Finance or equivalent.
- Knowledge of financial analysis including the ability to read and interpret balance sheet and income statement and make recommendations based on liquidity and indebtedness
- Excellent capacity to communicate, nature ability and comfort with asking lead-in and follow up questions
- Awareness and appreciation of prevailing macroeconomic and industry sector drivers and trends as a backdrop against which to evaluate a business’s credit worthiness
- Excellent Computer literacy (MS Office / Excel/Internet Search)
- Ability to work collaboratively and share information
- Curiosity and capacity to challenge
- Bilingual in French a requirement.