FS-RC-FSRM - CSTC-FA and R-SENIOR

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Risk Consulting – Financial Services Risk Management (FSRM) – Staff and Senior Consultant   Description EY's Financial Services Office (FSO) is a unique, industry-focused business unit that provides a broad range of integrated services that leverage deep industry experience with strong functional capability and product knowledge. FSO practice provides integrated consulting services to financial institutions and other capital markets participants, including commercial banks, investment banks, broker-dealers, asset managers (traditional and alternative), insurance and energy trading companies, and the Corporate Treasury functions of leading Fortune 500 Companies. The service offerings provided by the FSO Consulting include: market, credit and operational risk management, regulatory consulting, quantitative consulting, structured finance transaction, actuarial consulting, technology enablement, risk and security, program consulting, and process & controls. Within EY’s Risk Consulting Practice, the Financial Services Risk Management (FSRM) group provides solutions that can help FSO clients to identify, measure, manage and monitor the market (trading book), credit (banking book), operational, and regulatory risks associated with their trading, asset-liability management, capital management and other capital markets activities.   Role Overview As part of the financial analysis of the bank’s exposures to a diverse range of public, semi‑public, and private counterparties - including local authorities and their affiliates, public institutions, sovereigns, public financial institutions, SPVs, corporates, PPP/concession companies, and sponsors - analysts will support credit‑risk assessments and contribute to internal‑rating activities across France and key international markets (primarily France, Italy, Spain, the UK, and, to a lesser extent, the US).   Core Responsibilities:

Support the collection, quality review, and analysis of financial statements and key risk data for relevant counterparties. Assist in the preparation, structuring, and validation of input files and data flows used in rating processes and engines. Contribute to the drafting of financial analysis reports / credit memos, including key drivers, risks/mitigants, and preliminary views on ratings/outlooks, under supervision. Perform controls and reconciliations to ensure data quality, completeness, and consistency prior to processing. For French public sector entities, support data preprocessing and preparation of inputs for mass processing in the rating engine (as applicable). Collaborate with business and IT stakeholders to support day-to-day operations and contribute to process improvements and documentation updates. Build, review, and validate financial models with strong command of Excel; Analyze large datasets and generate comparative insights (experience with Power BI/SQL is an advantage).

Conduct in‑depth financial analysis, including detailed review of public‑sector and corporate financial statements (IFRS/French GAAP), ratio assessments (leverage, coverage, liquidity), evaluation of working capital requirements, and comprehensive cash‑flow analysis. Apply project‑finance principles to assess SPV cash‑flow structures, DSCR/LLCR metrics, debt‑sizing considerations, covenant frameworks, reserve mechanisms, security packages, and risk‑allocation structures across concession and PPP projects. Evaluate sovereign and quasi‑sovereign credit risk by analyzing institutional frameworks, governance quality, policy stability,