Senior Credit Analyst
BNP Paribas Personal Finance
Lisbon, Lisbon, Portugal
há 2 dias

About the job

The Senior 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

Interacts in full transparency with the Binome (SCO & FIC Relationship Manager)

Attend when necessary discussions forum under the leadership of the Binome

Prepare credit proposal in the light of FIC commercial strategy, coverage memo, and of any material information (transaction or risks) provided by the RM Pilot or the Binome

Contribute together with the Binome to the identification of the credit points that need to be discussed with the client (during Due Diligence for example)

Discuss the requests of Credit limits with the Business Lines

Work with Coverage of Financial Institutions and Business Lines to mitigate risk related to the counterparties

Ask for due diligence s meeting or credit review

Guarantee

Guarantee objective, qualitative and synthetic credit risk analysis and recommendation (Annual review, ad hoc, credit notes, comparative analysis) on the portfolio for which they are responsible

Guarantee the application of Banks procedures and policies and the consistency of Banks ratings

Manage

Manage the annual review process and Ad Hoc requests according to their complexity, strategic importance and level of risk

Manage the formalisation of the credit decisions in the credit workflow tool CPA

Manage the appropriate risk monitoring, jointly with CRC

Contribute

Contribute to the risk strategy definition by providing recommendation on the risk profile of the counterparty and on specific transactions in relationship with the appropriate stakeholders

Contribute to the Banks reactivity vis-à-vis clients expectations by prioritizing urgent requests under his / her responsibility with his / her manager

Contribute to the exposure and risk monitoring o / w reports on exposure and excesses.

Contribute to transversal projects, crisis management and excess management

Contribute to the quality of process : use adequately the credit process flow and workflow system, maintain critical client data, interact efficiently ahead of credit committee with the various stakeholders of the credit process

Contribute to the development / update / filling in of policies, reports and risk tools, to the Credit Process optimization and to the identification of best practices

Contribute to & Attend at the Watch List and Doubtful committees on owned portfolio

Contribute to the Due Diligence process & Attend at the adequate committees in collaboration with Credit Officers & SCOs

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

5+ years in Risk Management, or Credit Analysis, or Financial Analysis

English (fluent)

Additional Language would be welcome

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)

Solid 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

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 : / / bnpp.lk / 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.
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