Natixis Corporate & Investment Banking is a leading global financial institution that provides advisory, investment banking, financing, corporate banking and capital markets services to corporations, financial institutions, financial sponsors and sovereign and supranational organizations worldwide.
Our teams of experts in close to 30 countries advise clients on their strategic development, helping them to grow and transform their businesses, and maximize their positive impact. Natixis CIB is committed to aligning its financing portfolio with a carbon neutrality path by 2050 while helping its clients reduce the environmental impact of their business.
As part of Groupe BPCE, the second largest banking group in France through the Banque Populaire and Caisse d'Epargne retail networks, Natixis CIB benefits from the Group's financial strength and solid financial ratings (Standard & Poor's: A+, Moody's: A1, Fitch Ratings: A+, R&I: A+).
Main Responsibilities:
Credit risk analysis:
- Review and analyze transaction requests (new deals, renewals, amendments) from business lines and prepare timely, wellreasoned credit analysis and recommendations in line with internal risk frameworks.
- Perform financial, business, and risk analysis, including assessment and validation of internal credit ratings and risk drivers.
- Present and clearly justify credit conclusions to senior management and credit committees, responding to challenges and followup questions.
- Contribute to the continuous improvement of internal credit risk methodologies, tools, and analytical templates through feedback and enhancement proposals
Research
- Produce regular and adhoc sector and thematic research with a focus on credit fundamentals, risk trends, and potential impact on the portfolio.
- Monitor macroeconomic, industry, and issuerspecific developments and highlight emerging risks and early warning signals relevant to covered exposures
Credit data management:
- Produce, monitor, and maintain Key Risk Indicators (KRIs) to support portfolio risk oversight and management reporting.
- Analyze KRI trends, investigate anomalies or limit breaches, and escalate material risk concerns to senior team members as appropriate.
- Support periodic portfolio reviews and internal risk reporting by providing accurate, timely, and wellstructured data analysis
Required Skills:
- Strong tertiary education with solid academic grounding in finance, accounting, or a related discipline; sound understanding of financial statements and credit fundamentals highly preferred.
- Strong analytical skills with the ability to understand instructions, apply judgment, and execute accurately and efficiently.
- Wellorganized and methodical, with the ability to multitask and set priorities while maintaining attention to detail.
- Effective communication and interpersonal skills, with the ability to clearly articulate and work collaboratively as part of a team.
- Good working knowledge of Microsoft Office applications (Excel, PowerPoint, Word); familiarity with data, automation, or AIenabled tools viewed as an advantage.
