Crédit Agricole CIB (CA-CIB) Canada is the home of Crédit Agricole CIB Canada Branch and Crédit Agricole Services & Operations.

The Canada Branch has offices in Montreal and Toronto providing financial services to Canadian Financial Institutions, Banks, Pension Funds & SSA and to large Canadian headquartered international corporations.

Crédit Agricole Services & Operations is hosting a part of all Crédit Agricole CIB’s support functions, from KYC, Back Offices, Risk, IT, Legal or Finance supporting our growing operations in the Americas and complementing our European and Asian operations platforms in a “follow the sun” approach.

When you join CA-CIB Canada, you are joining a certified Great Place to Work employer, and a highly engaged workforce.

Key Responsibilities:

· Review and understand Credit Approvals

• Understand the Credit Approval process
• Translate Credit Approvals into the Banks Quantitative Data Model

· Understand commercial products and their associated risks, including:

• Commitment of Commitments
• Term Loans
• Delayed Term Loans
• Revolving Credit Facilities
• Over-holds
• Trade Receivables
• Swing Lines
• Various types of LC's (Fronting, Performance, Financial)

· Review and understand signed structures with customers

• Analyze executed Loan Documentation, especially Credit Agreements
• Identify key clauses related to borrowers, products, amounts, maturity dates, and sub-limits
• Ensure alignment with Credit Approval
• Review Closing Requests from FO/MO for consistency with executed loan structure

· Model signed structures in worldwide authorizations system (BMA)

• Ensure modeling is within credit approval parameters or less risky
• Control Data Quality of Authorizations to enable accurate monitoring of Client exposure
• Trigger anomalies related to over-limits, unauthorized products/borrowers, and transactions past maturity dates

· Communicate with supervisors about authorization structures as outlined in Credit Approvals and signed documentation

· Maintain authorizations throughout transaction lifecycle

• Record maintenance including Renewals, Increases, Decreases, Refinancing, Extensions, and Annual reviews
• Investigate anomalies from modeling of signed documentation structure

Management and Reporting

• Hierarchical Management: Christophe Santune, Director, CASO Montreal – Head of Risk CASO
• Functional Management and Reporting:  Kristine Bonner, Director, CACIB NY - RPC Admin, Monitoring & Projects
• Direct Management and Reporting:  Andrea Santos, Vice President, CASO Montreal - RPC Admin, Monitoring & Projects

Key Internal contacts

• CACIB NY – RPC – Admin, Monitoring & Projects
• CACIB Paris RPC – CMR
• CACIB NY – SCS (Credit Analysts)
• CACIB NY – FCS Client Service Corp. (Middle Office)
• CACIB NY – Commercial Back Offices (Loan and LC Departments)

Role specific requirements

• Commercial Financing Products and Transactions
• Credit Approvals
• Legal Documentation

Bachelor’s degree in Finance, Banking, Economics, or related field

• 3-5 years of experience in banking, preferably in commercial credit operations, commercial documentation, commercial back office or commercial middle office.
• Experience with credit approval processes and loan documentation

• Accuracy and precision in data entry and verification
• Documentation review capabilities
• Strong analytical skills with attention to detail
• Verbal and written communication skills in English and French required (You will need to service Anglophone clients and work with Anglophone colleagues)