Corporate Credit Analyst
September 26, 2024
About the job
- The Credit Analyst’s mission is to produce high-quality Credit Proposals in a timely and efficient manner, in order to enable BNP Paribas Corporate Coverage to do new business with clients (i.e. gain credit committee approval for new business), manage exposure to credit risk and meet its regulatory requirements (Annual Reviews)
Your Main Activities Are
- Assessment of Counterparty and Credit Risk: collecting and monitoring key information on clients (annual reports, financial statements, web site information) and requesting/analyzing internal inputs (e.g. business line memos); liaising with Relationship Managers to gain in-depth knowledge of client environment, strategy, management, resources and financials; and analyzing and summarizing counterparty and credit risk on clients and prospects
- Preparation of Credit Proposals: completing Credit Proposals compliant with guidelines, quality standards and policies; and participating in the continuous improvement of credit process efficiency
- Credit Risk Monitoring: ensuring the follow-up of client exposure and monitoring global credit risks by alerting on any change in ratings, any major event or material evolution; monitoring of clients covenants, strategy implementation and risk profile; and maintaining portfolio reports and using proactively the internal credit tools
- Within ECA, Credit Analysts encompass 3 levels: Credit Analyst 1 (CRF Spreads completed autonomously without errors. Simple Contributor Credit Proposals done with support); Credit Analyst 2 (complete simple Contributor Credit Proposals autonomously and start working on complex Contributor Credit Proposals with support); and Credit Analyst 3 (complete complex Contributor Credit Proposals autonomously and start working on Pilot Credit Proposals with support, as well as support new joiner training)
Profile and Skills to Success
- Bachelor Degree in Economics / Finance / Accounting or related
- Up to 2 years of experience in Financial Analysis and Advisory
- Advanced level of English, both written and oral
- Knowledge in MS Office Pack (Excel)
- Attention to detail / rigor
- Ability to collaborate / teamwork
- Ability to synthetise / simplify
- Analytical ability
- Communication skills, both written and oral
#LI-Hybrid
Why joining BNP Paribas?
- 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.
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