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 Temporary 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). They will liaise 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 large aggregation of credit risks within specified industry sectors, they will:

- Contact companies and build relationships with CFO/ VPs of Finance to ensure a steady flow of information and drive a thorough risk assessment.
- Produce industry specific debtor reports that bring analyst expertise forward and provide color to the financial statements and trends in their field of business.
- Act on and respond to DRA revision requests.
- Monitor risk and update assessments upon receipt of alert from external sources.
- React to Claims activity by adjusting the DRA.
- Review files for accurate identifiers, links and coherence of DRA to quotation.
- Handle tasks out of the risk monitoring review workflow in a timely manner ensuring Service Level Agreements (SLA’s) are respected.
- Monitor sensitive files, send warnings on specific events to Underwriting.
- 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.**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.
- 1-2 years’ work experience (and internships) in the financial field desirable (Banking, financial services or credit department); specific experience conducting credit or business research is a major plus.
- Bilingual in French preferred.
- Knowledge of financial analysis and excellent financial rigor including the ability to interpret a balance sheet and make recommendations based on liquidity and indebtedness.
- Understanding of banking and funding e.g.: banking products and how financing works.
- Working knowledge of business law, accounting principles and legal group structure.
- 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).
- Nature ability and comfort with asking lead-in and follow up questions.
- Ability to work collaboratively and share information.