Credit Analyst

Groupe BPCE is France’s 2nd largest banking group servicing 35 million customers worldwide. In the US, the Group operates an investment banking arm and provides equipment and technology financing solutions through BPCE Equipment Solutions (“BPCE ES”).

We are currently seeking a qualified Credit Analyst to join our team and contribute to the growth of the business as outlined in Groupe BPCE’s 2030 strategic vision. The Credit team is based in Jersey City, NJ, and the individual will report directly to the Head of the LOD1 BPCE ES U.S. Corporate Credit Group.

Essential Duties and Responsibilities:

Transaction Review:

• Prepare thorough and well-reasoned lending recommendations through comprehensive credit memos.
• Analyze and spread financial statements to assess the credit strength of potential customers.
• Evaluate collateral as a secondary source of repayment.
• Review personal guarantors by analyzing personal financial statements, credit bureau reports, and supporting documentation.
• Collaborate with the documentation team to ensure transactions align with credit approval terms and best practices.

Vendor/Origination Sources Review:

• Perform annual reviews of existing origination sources and onboard new sources as necessary.

Annual Reviews:

• Conduct annual reviews of portfolio constituents.

Projects:

• Manage additional projects and tasks related to credit as required.

Qualifications:

• Strong understanding of accounting principles, primarily U.S. GAAP, with knowledge of IFRS.
• Proven ability to analyze financial statements and assess the creditworthiness of firms, leading to informed investment recommendations.
• Knowledge of asset-backed lending, particularly in manufacturing and construction.
• Experience in structuring and underwriting loans and leases.
• Proficient in cash flow and collateral analysis.
• Technology-savvy, with proficiency in Microsoft Office and adaptability to internal tools, along with a willingness to integrate AI solutions.
• Strong team player with the ability to collaborate across departments to achieve shared goals.
• Excellent verbal and written communication skills, effectively conveying information to all stakeholders.
• Strong problem-solving skills, combining creativity, pragmatism, and sound judgment.
• Ability to prioritize tasks and thrive in a dynamic, deadline-driven environment.
• Minimum of five years of corporate credit underwriting experience, preferably with middle-market to public companies, including exposure to asset-backed financing across leases and loans.
• Bachelor’s degree in Finance, Accounting, Economics, or a related field.

Why BPCE ES?

At BPCE ES, we are committed to fostering an inclusive and diverse work environment that values different perspectives and experiences. We believe that our employees are our greatest asset and are dedicated to providing them with the support and resources needed to succeed and grow in their careers. If you are ready to take the next step in your career and make a significant impact in a leading financial services company, we encourage you to apply!

The salary range for this position will be between $90,000 - $125,000. BPCE Equipment Solutions 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, and skill set, as well as other business and organizational needs. Base salary is only one component of our total rewards package, and BPCE Equipment Solutions also offers a generous benefits package.