Apprenticeship - 1 year - Risk Analyst Credits F/H

Description du poste:

Company Description

Second largest banking group in France, Groupe BPCE is a robust, socially committed cooperative banking group. Drawing on the strength of the roots we have developed in local communities, we serve a total of 30 million clients globally, including 9 million cooperative shareholders who own 100% of the capital of the Banques Populaires and Caisses d'Epargne via their cooperative shares.

At BPCE Equipment Solutions, we are proud to accompany the big and small transformations that shape significant industries. With approximately 1,600 employees and our presence in 14 countries, we are regularly awarded, notably at the Leasing Life Awards as "SME Champion of the Year" and/or "European Lessor of the Year."
We are a leader in Europe and the second-largest player in the world in equipment financing. Backed by the strength of Groupe BPCE and deeply connected to the field, we are proud to create responsible integrated equipment solutions. We are a great place to work, driven by simplicity, agility, and sustainability.
At BPCE Equipment solutions we are "Financing Ambition & Empowering Progress"

Job Description

Your missions within the team
Within BPCE Equipment Solutions, one of the business lines of the Financial Solutions & Expertise division of BPCE Group, you will be based in the Defense Holding which covers a set of subsidiary entities from more than twenty countries. We are the leading equipment leasing company in Europe for professionals and companies thanks to our solid knowledge of the Technology, Transport, Industrial Equipment, Medical and Renewable Energy sectors.
In a dynamic team of about thirty people on the France entity, you join the Risk team, composed of five people, as a credit analyst, starting from September 2026.
Concretely your daily, in collaboration with your tutor, you will intervene on the following missions:

* Analysis of financing structures related to the programs of our business providers.
* Financial analysis of the financial statements (income statement, balance sheet.. ) of SME clients, large companies and professionals.
* Critically review, analyse and assess the risks of the transactions presented (counterparty risk, operational risk, reputational and compliance risk).
* Propose the rating of counterparties and issue relevant opinions/recommendations in accordance with internal policies.
* Participates in the various transversal projects of the risk unit (quarterly risk committee...).
* Back up of the KYC expert for carrying out the KYC assessments

The job of a Credit Risk analyst is a excellent entry point to develop your skills in financial analysis and particularly on leasing transactions. You will benefit from continuous training and work in contact with experts in a multicultural environment.
This position will allow you to:
* to acquire knowledge in credit analysis, knowledge of clients and their shareholder chain
* to learn specialized financing in leasing, rental, and assignment of receivables
* to issue an opinion on the credit quality and repayment capacity of counterparties

As part of your mission, you will be required to interact regularly with sales representatives, the holding's risk departments and the middle.

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Your quality of life and working conditions are at the heart of our concerns. As such, you benefit from various advantages:
Participation and profit-sharing bonus
Telework days (according to the pace of your service and that of your apprenticeship)
Coverage of 60% of your transport ticket
Discounted ticket sales of our Works Council (concerts, cinema, sports...)
BPCE ES provides a corporate restaurant at competitive rates as well as dematerialized restaurant titles when you are working from home
* If you have 3 months of seniority on the reference year
Creating, daring, innovating and undertaking are part of our DNA. If you also want to be in action, evolve in a stimulating and caring environment, feel useful on a daily basis and develop or strengthen your expertise, we are made to meet!
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Required Skills/Qualifications/Experience

You prepare a Bac+5 in University, Business School or Engineering School.

To succeed in your mission:
You have a first experience in corporate credit risk;
You have a good level in financial analysis and master the Office tools;
You demonstrate rigor, cooperation, and team spirit;
You have a good capacity for analysis and synthesis as well as good written and oral communication;
You are responsive, proactive and autonomous;
You are proficient in English.

Will you be able to meet the challenge? Don't wait anymore, join us!

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