Credit Risk Analyst FIG Latam

Description

Natixis is seeking a highly motivated and experienced Credit Risk Officer (Director) to join our North America team. This role will primarily focus on Corporate and Structured Finance, with a strong emphasis on Infrastructure and Project Finance transactions. The successful candidate will be responsible for conducting comprehensive credit risk assessments, preparing detailed credit opinions, and providing insightful market and financial analyses for both new and existing clients across the Americas.

Key Responsibilities

Credit Risk Analysis: Prepare in-depth credit risk opinions, market analyses, and financial analyses of clients in the Americas for proposed transactions and annual reviews. Focus areas include Corporate and Structured Finance transactions, particularly within Infrastructure and Project Finance.

Industry Expertise: Develop and maintain a strong understanding of the industries and transaction structures relevant to Natixis' focus areas.

Portfolio Monitoring: Proactively monitor a designated portion of the portfolio, producing comprehensive credit risk assessments (including Annual Reviews, Quarterly Reviews, Watchlist Reports, and analyses of Amendments, Waivers, and other requests).

Process Improvement: Contribute to the ongoing enhancement of credit risk processes and templates used by the bank.

Risk Reporting: Identify and report any credit events that could lead to covenant breaches or a deterioration in the creditworthiness of borrowers or specific industries.

Management Reporting: Assist in the creation of portfolio updates on key topics for senior management.

Lending Policy Compliance: Ensure adherence to Lending Policy requirements throughout the credit approval process, from initial assessment to post-approval monitoring.

Collaboration: Work closely with Front Office Origination, DRAS (Workout), AMP (Portfolio Management), Loan Review, and Credit Surveillance & Analytics teams.

Relationship Management: Build and maintain strong relationships with business unit contacts to ensure timely and effective prioritization of new counterparty onboarding requests.

Essential Duties and Responsibilities

Credit Risk Assessment for New Exposures:

Identify and evaluate credit risks associated with new clients in the Corporate and Structured Finance sectors, with a primary focus on Infrastructure & Project Finance transactions in North America.

Analyze complex transactions, often non-recourse to sponsors and involving construction periods, across key sectors such as renewable/thermal energy (wind, solar, gas-fired), data centers, and transportation/other infrastructure assets.

Prepare comprehensive credit risk opinions for new transactions, annual/quarterly reviews, and waiver/amendment requests, ensuring compliance with lending policy requirements.

Conduct industry research and perform/request financial model sensitivities to support credit risk analysis and recommendations to senior management.

Collaborate effectively with Front Office and Syndication Teams.

Present findings and recommendations to senior management and credit committees.

Portfolio Monitoring of Existing Exposures:

Monitor the credit performance of a portfolio of existing accounts.

Prepare detailed credit risk opinions for Annual Reviews, Quarterly Reviews, Watchlist Reports, and analyses of Amendments, Waivers, and other requests.

Track credit events, such as covenant breaches, and process credit alerts generated by internal systems.

Maintain accurate and up-to-date internal and regulatory ratings, as well as watchlist classifications.

The salary range for at the Director-level for this position will be between $185,000 - $215,000. Natixis is required by law to include a reasonable estimate of the compensation range for this role. Actual base salary will vary and will be based on several factors including, but not limited to, relevant experience, education, skills set, applicable licensure and certifications, and other business and organizational needs. Base salary is only one component of our total rewards package. Natixis also offers a generous benefits package, and you may be eligible for a discretionary incentive award depending on company and individual performance.