Institutional Credit Analyst

• The Institutional Credit Analyst’s main mission is to conduct annual and interim credit reviews while timely producing a factual summary of client’s creditworthiness, compliant with Bank’s guidelines, with a recommendation on internal rating/GRR, the limits, the legal credit terms, and risk strategy vis-à-vis the client.

• Participate in the Institutional Credit Analysis:
• Develop an in-depth understanding of the counterparties/groups under own responsibility, while developing market intelligence through all available sources of credit, economic, and financial information
• Coordinate with the Coverage and Métiers the credit risk assessment of the counterparties, including any material transaction or risk information provided by the RM Pilot or the Binome
• Ensure that the counterparty data management is conducted well, namely on-boarding, collection of documents, and commensurate limits update
• Act as an active part on Credit Proposal processes:
• Follow credit risk analysis, timely prepare the CP capturing the recommendations for delegation holders, commensurate with the risk appetite and Coverage commercial strategy, in compliance with Bank’s guidelines
• Formalize the credit decision proposal in the internal credit workflow tool
• Present the proposals to the delegation holders and/or credit committees for decision
• Participate to due diligences in collaboration with Coverage and Métiers
• Manage the annual review process, and simple ad-hoc requests on own portfolio
• Ensure effective risk monitoring and reporting:
• Continuously monitor the portfolio of counterparties under own responsibility, jointly with Credit Risk Control, monitoring excesses, anticipating risks, and detecting any credit issues that may require a specific review
• Contribute to periodic and ad-hoc portfolio review and risk reporting for counterparties under scope
• Contribute to and attend the Watch List and Doubtful committees for counterparties in own portfolio

• Bachelor or Master degree in Economics, Finance or Accounting
• Up to 2 year of experience in Financial Analysis and Advisory and Risk and Controls
• Excellent communication skills and fluency in English, both oral and written
• Proficiency in Microsoft Office Word and Excel
• Attention to detail/rigor
• Ability to synthetize/simplify
• Ability to collaborate/Teamwork
• Analytical Ability

#LI-Hybrid

• Leading banking institution

BNP Paribas is the European Union’s leading bank, and key player in international banking. It operates in 63 countries and has nearly 183.000 employees, including more than 146.000 in Europe.

• Our presence in Portugal

In Portugal since 1985, BNP Paribas today has more than 8.700 employees, distributed across the Group’s 10 business entities established in the country. Its presence also extends to 11 excellence centers providing value-added services to various countries where the BNP Paribas Group also operates.

• 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:

• Retail Banking, a division that brings together all of the Group’s retail activities and specialised business lines;
• Investment & Protection Services that include specialised businesses offering a wide range of savings, investment and protection services;
• Corporate & Institutional Banking division that offers tailored financial solutions for corporate and institutional clients.

• 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/paternity, 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.

• Commitment towards work/life balance

At BNP Paribas we care about our employees wellbeing and promote a culture of good integration between work and rest. We believe our employees have rich personal lives outside of work, being fundamental to be disconnected from work to recharge both physically and mentally. Only through this balance we may all be at our best while working.

• Remote Working Conditions

At BNP Paribas, we embrace a Smart Working framework based on trust, autonomy and collaboration. Within this framework, eligible employees can benefit from flexible remote working modalities adapted to our hybrid working environment. To guarantee a comfortable and efficient working set-up, eligible employees are provided with both the office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional equipment at reduced prices.

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.