Credit Risk Analyst
BNP Paribas Personal Finance
Lisbon, Lisbon, Portugal
há 6 dias

About the job

The Credit Analyst is responsible for (i) completing credit analysis on a portfolio of Financial Institutions and / or Funds & Asset Managers to facilitate informed credit decisions, and (ii) reviewing the credit risk analysis of other more junior team members.

Your Main Activities Are

Develop an in-depth understanding of the groups under his / her responsibility and develop market intelligence by investigating all available sources of credit and financial information and by maintaining a very good knowledge of the banking / funds environment (capital market products, legal documentations, accounting, regulatory environments).

Monitor permanently the portfolio under his / her responsibility, anticipating risk to detect any credit issue requiring a specific review.

Conduct Annual and interim reviews. Produce in due time and present in Credit Committee a factual summary of clients credit worthiness (credit proposal), compliant with the Banks guidelines.

The credit proposal includes a recommendation on the ratings, the limits, the legal credit terms and the risk strategy vis-a-vis the client.

Perform credit analysis and issue recommendations for delegation holders (Credit Officers, Senior Credit Officers) on the counterparties of the RISK I2S perimeter.

Mainly in charge of complex credit analysis.

Contribute to the urgent / important or atypical / complex requests that will require a senior review / follow-up at all levels of Business and within RISK.

Develop a good knowledge of the banking environment : capital market products, legal documentations, accounting and regulatory environments.

Undertake counterparty risk analysis of the portfolios in relation with counterparty exposure and in coordination with the various RISK streams (RISK Global Markets and RISK ERA).

Contribute to due diligences in collaboration with credit officers and SCOs

Perform portfolio reviews when required.

Keep abreast of the changing methodologies and credit policies.

Contribute to the representation of RISK I2S with the Coverage of Financial Institutions and Business Lines and other RISK departments : Projects, methodologies, regulations

Profile and Skills to Success

Masters Degree / MSc / Master from Business School or University in Banking, Finance, Economics, Risk Management, Financial Markets or other relevant areas

Up to 2 years in Risk Management, or Credit Analysis, or Financial Analysis

Fluency in English

Additional language skills are not mandatory, but will be appreciated

Strong and proven analytical skills

Adaptability and proactivity, multitasking

Strong presentation and communication skills (verbal and written)

Advanced knowledge of Microsoft Office (Word, Excel, PowerPoint)

Knowledge and understanding of banking and financial markets

Understanding of Corporate Banking and Capital Markets products

Self-driven and organized

Rigorous and reliable

About the Team

RISK Institutional & BP2S is a domain of the RISK function in charge of covering all Institutional credit risk profile and related credit approval processes.

In this domain the Credit Team is responsible for completing the credit analysis for financial institutions and BP2S clients (including due diligence when necessary).

In particular, the Credit Team ensures that credit analysis and recommendations are provided in due time for Banks, Insurances, Sovereign, Brokers, other non-banks financial institutions, pensions funds, funds, hedge funds, regulated funds, funds of hedge funds, agency arrangements and asset managers.

The Credit Team performs credit analysis and provide credit recommendations on their respective delegation perimeter to Credit Committees, Transaction Approval Committees when the credit opinion on a specific counterparty is required, other RISK entities, Business Units or functions in response to general enquiries, Portfolio review committees.

The Credit Team guarantees the selection and the follow up of counterparties considered Doubtful, under Watch List or sensitive list, evaluates the accurate level of provisioning, guarantees the quality of credit files and portfolios (notably by complying with regulatory framework e.

g. Basel III requirements and including credit policies, rating policies and other Group guidelines), develops local market intelligence by performing desk research (financial statement analysis, monitoring of published research), maintains a network of Industry contacts and performs on site due diligence, guarantees that available local market information and views on risk issues are communicated swiftly and effectively.

The Credit Team is a main partner for the Senior Credit Officers and their binomes for the clients covered by the financial institution credit process and is also in permanent interaction with other business lines for uncovered clients.

Why joining BNP Paribas?

  • Leading banking institution
  • BNP Paribas is a leader in the Eurozone, and a prominent international banking institution with strong roots in Europe's banking history.

    It has a presence in 72 countries, with around 200 000 Employees including more than 150 000 in Europe.

  • Our presence in Portugal
  • Since 1985, BNP Paribas was one of the first foreign banks to operate in the country. Today, the Group has around 6.500 employees across several entities operating directly in the territory, offering a wide range of integrated financial solutions to support its clients and their businesses.

  • International reach
  • Thanks to its international presence and regular and close collaboration among its different entities, BNP Paribas has the resources to support all clients with financing, investment, savings and protection solutions that help make their projects a success.

    BNP Paribas holds key positions in its three core operating divisions : Domestic Markets and International Financial Services for retail banking and specialised financial services, and Corporate & Institutional Banking for corporate and institutional clients.

    In its Corporate & Institutional Banking and International Financial Services activities, BNP Paribas also enjoys top positions in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific.

  • Diversity and Inclusion commitment
  • BNP Paribas is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation.

    Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity.

    We strive to reflect the society we live in, while keeping with the image of our clients.

    To find out more on why you should join BNP Paribas visit https : / / / why-BNP-Paribas-Portugal

  • Please note that only applications submitted in English will be considered.
  • In case you are selected for this role, further documentation will be requested to support your hiring process.
  • Reportar esta oferta de trabalho

    Thank you for reporting this job!

    Your feedback will help us improve the quality of our services.

    Meu email
    Ao clicar em "Continue", autorizo a neuvoo a processar os meus dados e a enviar-me alertas de e-mail, conforme detalhado na Política de Privacidade da neuvoo . Posso retirar o meu consentimento ou cancelar a subscrição a qualquer momento.
    Formulário de candidatura