BNP Paribas is a leading European bank with an international reach. It has a presence in 73 countries, with more than 200,000 employees - including more than 146,000 in Europe and over 6,000 in Portugal alone.
BNP Paribas is present in Portugal since 1985, having been one of the first foreign banks to operate in the country. Today, BNP Paribas has several entities operating directly in this territory, offering a wide range of integrated financial solutions to support its clients and their businesses.
Worldwide, the Group has key positions in its three main activities: Domestic Markets and International Financial Services (whose retail-banking networks and financial services are covered by Retail Banking & Services) and
Corporate & Institutional Banking, which serves two client franchises: corporate clients and institutional investors.
The Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporate and institutional clients) to realise their projects through solutions spanning financing, investment, savings and protection insurance.
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.
ROLES AND RESPONSIBILITIES
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
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 client's credit worthiness (credit proposal), compliant with the Bank's 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…
Help the local Head of Credit Team in the supervision of credit analysts and ensure the link with the local Head of Credit Team
are knowledge, best practices and review the credit risk analysis of other team members before submission to the delegation holder when required
Participate to the recruitment of staff.
Interact with the Coverage of Financial Institutions and Business Lines
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 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 Bank's procedures and policies and the consistency of Bank's ratings
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 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 Bank's 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
M aster's Degree/MSc/Master 2 from Business School or University in Banking, Finance, Economics, Risk Management, Financial Markets or other relevant areas
Experience: 4+ years in Risk Management, or Credit Analysis, or Financial Analysis
Languages: English (fluent), a dditional Language would be welcome
Strong and proven analytical skills
Adaptability and proactivity, multitasking
S trong 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
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.
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.
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