Wholesale Credit Risk Consumer Healthcare & Retail - Associate, Paris

Join a team where your judgment and analysis directly influence high-impact financing and risk decisions. You will evaluate complex transactions, build robust financial models, and shape credit structures that protect clients and the firm. Partner with senior leaders across our businesses while broadening your product expertise across loans, derivatives, trade finance, and treasury. Grow your career in a dynamic environment that values curiosity, ownership, and continuous improvement. Help us elevate standards of credit excellence and develop the next generation of talent.

As a Corporate Associate in Commercial & Investment Bank, you will assess counterparties, structure transactions, and manage a diverse credit risk portfolio. You will collaborate with product specialists and senior Credit Officers to align risk decisions and approvals, while engaging with control stakeholders. Together, we will apply firm risk management policies, coach junior talent, and drive continuous improvement across our credit processes.

JOB RESPONSIBILITIES

• Lead due diligence on counterparties and prepare clear, decision-ready credit analyses.
• Draft concise credit memos with recommendations on structure, risk appetite, and grading.
• Build and maintain three-statement and cash flow models; design downside scenarios and challenge assumptions.
• Negotiate and interpret loan documentation, including Loan Market Association standards and leveraged finance terms, to mitigate risk.
• Manage and monitor a multi-sector credit portfolio; track ratings, sector trends, and client performance; proactively adjust exposures.
• Cover products across secured and unsecured loans, derivatives, trade finance, and treasury.
• Coordinate risk decisions and approvals with senior leaders, product specialists, and senior Credit Officers.
• Apply firm risk management policies; interface with Regulators and Auditors on credit matters.
• Present modeling conclusions and risk views clearly to stakeholders.
• Develop junior talent through structured coaching, on-the-job training, and formal learning sessions.
• Drive process improvements that enhance speed, control, and analytical quality.

REQUIRED QUALIFICATIONS, CAPABILITIES, AND SKILLS

• Minimum 3 years of experience in credit risk, underwriting, or corporate banking.
• Demonstrated analytical rigor and credit judgment with the ability to identify, quantify, and communicate key risks.
• Minimum 2 years of experience building financial models and performing scenario analysis across investment grade, leveraged lending, or venture lending contexts.
• Proficiency using AI tools to support analysis and improve efficiency (e.g., drafting, modeling checks, portfolio monitoring).
• Strong knowledge of transaction structures and loan documentation, including Loan Market Association standards and leveraged finance terms.
• Experience negotiating and interpreting derivative or other facility terms to mitigate risk.
• Proven end-to-end project management with effective prioritization and multi-tasking in a dynamic environment.
• Clear, effective written and verbal communication; credibility with clients and internal stakeholders.
• Ability to coach and develop junior colleagues through structured learning and feedback.
• Self-directed, results-oriented, and adaptable, with a track record of driving continuous improvement.

PREFERRED QUALIFICATIONS, CAPABILITIES, AND SKILLS

• Experience monitoring multi-product portfolios spanning loans, derivatives, trade finance, and treasury products.
• Familiarity with credit grading frameworks and ratings methodologies.
• Prior engagement with Regulators and Auditors on credit risk topics.
• Advanced proficiency in financial modeling (e.g., covenant sensitivity, liquidity stress testing).
• Knowledge of sector-specific drivers and early warning indicators to inform proactive exposure management.
• Professional certification such as Chartered Financial Analyst or equivalent.
• Formal people leadership experience or mentorship within a credit or risk team.