Credit Analyst

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 medium to large aggregation of credit risks. Within specified industry sectors, he/she will:

• Contact companies and speak with executives to obtain financial and business information required to assess their current situation. 
• Gather and analyze additional information (financial statements, professional articles, market data, etc.) as needed. 
• 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.
• Contribute to the accuracy and consistency of Coface’s database of companies, ensuring appropriate identifiers, links, and coherence of DRAs. 
• 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…)

At Coface, we make trade happen everyday.

Our 5,200 experts representing 80+ nationalities in 58 countries are united by a shared purpose: helping companies navigate through uncertainty by empowering them to make the right decisions and trade smarter in a complex world.

With nearly 80 years of global experience, we offer companies a full range of solutions: Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds, Factoring — all driven by a unique data patrimony, cutting-edge technology, innovation and a deep understanding of the global economy.

Joining Coface means being part of a close-knit international organization, where your ideas matter.  We foster a culture of learning, collaboration and inclusion where you are given responsibilities and can see the impact of your actions.

Shape the future of trade with us. Join our Happeners!

• 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)
• A first successful experience in a credit analyst role is a strong plus
• 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

All your information will be kept confidential according to EEO guidelines.