About the job
- Within BNP Paribas CIB (Corporate & Institutional Banking), credit analysis plays a fundamental role in managing the risks taken when developing business with our clients. As part of Financial Institutions Coverage within CIB, Institutional Credit Analysts Team (ICAT) is in charge of credit analyses of all institutional clients, intragroup entities, sovereigns, and market infrastructures globally
- We are organized by region: AMER, APAC and EMEA and by underlying type of clients: Funds, Insurance & Pensions, Banks & brokers along with Official Institutions and Intragroup entities. In EMEA, FIC ICAT is present in three locations, Lisbon, London and Paris
- ICAT performs credit analyses and provides credit recommendations to Credit Committees, in response to general enquiries, or to Portfolio Review committees
- ICAT is a main partner for the Coverage, Business lines and RISK Senior Credit Officers for the clients falling under the financial institution credit process
- FIC ICAT Lisbon team is composed of credit analysts among two teams, Funds and FIs. The Intragroup credit analyst will be part of the FI team, working very closely with the Paris Intragroup analyst and with RISK officers from the whole bank
Your Main Activities Are
- Intragroup Credit Process
- The Intragroup credit analyst (CA) supports the credit process on entities that are part of the BNP Paribas group
- On the CIB perimeter, FIC ICAT Intragroup is in charge to coordinate the credit committee whole process from inception, i.e., the need raised by front office (ALM, Trade, Global Market mostly) up to the credit decision taken by risk decision makers as well as annual reviews of the limits granted to BNPP CIB entities. To this regard, the Intragroup Credit Analyst analyses the transaction and may draft a credit recommendation presented to the RISK decision makers
- On the CPBS and IPS scope, FIC ICAT Intragroup is in charge to follow and reprocess credit decisions taken by RISK officers on a portfolio of Intragroup counterparties for which the credit analyst:
- Is the system referent to provide the limits detail on any given counterparty
- Interacts daily with the risk teams of the whole BNP Paribas group
- Participates to preparatory meetings and credit committees to have a clear understanding of the limits
- Makes sure he/she received all necessary information used in the credit decision
- Reprocesses in the system the credit decisions taken
- The team also promotes a strong culture of risk management within the FI Coverage and all front office teams
- Portfolio 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
- This position will allow you to become a central player within the intragroup domain, allowing you to:
- Develop your network through collaboratively working with numerous stakeholders on a daily basis
- Develop further your technical competencies regarding capital markets products, legal documentation and regulatory framework by closely following the market evolutions.
- Have a central role in the credit decision process giving her/ him a great visibility but also significant responsibility
- The successful applicant will be very much part of the EMEA team that will allow her/him to build up an extensive knowledge of the market
Profile and Skills to Success
- Bachelors (or higher) in Economics, Finance or Banking
- Between 1 and 2 years of professional experience in financial industry
- Fluency in English
- Ability to thrive in a fast-paced environment, with a flexible and collaborative approach to teamwork
- Self-driven, organized, rigorous and reliable
- Strong interest and familiarity with risk management best practices, financial markets and economic developments
- Ability to autonomously run/contribute to meetings, projects, seminars, committees or training
- Good understanding and awareness of the regulatory framework for financial institutions is desirable
#LI-Hybrid
Why joining BNP Paribas?
- Leading banking institution
Leading player in banking and financial services in Europe, BNP Paribas operates in 64 countries and has nearly 178,000 employees, including more than 144,000 in Europe
- International reach
The Group holds key positions in several areas of banking and financial services that are structured around three operating divisions:
- Corporate & Institutional Banking (CIB) connects companies needing financing and institutional clients looking for investment opportunities division that offers tailored financial solutions for corporate and institutional clients.
- Commercial, Personal Banking & Services (CPBS) brings together all our commercial banks and several specialised businesses
- Investment & Protection Services (IPS) combines a unique continuum of products and services across protection, saving, investment and real estate including specialised businesses offering a wide range of savings, investment and protection services
- Our presence in Portugal
In Portugal since 1985, BNP Paribas today has more than 9.220 employees, distributed across the Group's 10 business entities established in the country. Its presence also extends to 11 centres of expertise providing value-added services to various countries where the BNP Paribas Group also operates.
- Diversity and Inclusion commitment
BNP Paribas ´ambition is to cultivate an open and responsive environment for all that encourages collaboration and interaction. We demonstrate our commitment by actively contributing to the Group’s Diversity and Inclusion strategy and goals, in line with the United Nations Sustainable Development Goals. As part of our local Corporate and Social Responsibility – Diversity & Inclusion strategy, BNP Paribas Portugal is committed to:
- Promote a fair and unbiased recruitment process and offer professional development opportunities to all employees
- Celebrate diversity and advocate for inclusion, both externally and internally, encouraging employee’s participation, creating space for different voices to be heard.
To foster the effort of BNP Paribas Portugal, multiple initiatives and events take place throughout the year where our people can find out more on the importance of diversity inclusion at the workplace and in our society.
- 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 options adapted to our hybrid working environment. To ensure a comfortable and efficient working setup, eligible employees are provided with both office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional items at reduced prices.
- Commitment towards work/life balance
Supporting employees in a hybrid way of working while providing them with the means to maintain a work-life balance is an essential dimension of our Smart Working program. At BNP Paribas, we care about our employees’ wellbeing and promote a culture of good integration between work and personal life.
To find out more on why you should join BNP Paribas please read our Employee Value Proposition and our Career path page.
* 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.