Credit Analyst

Job Description

This role is responsible for performing credit analysis of MNC clients and recommendation for credit requests with a view to minimize credit losses and promote business growth.

Direct Responsibilities

• Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks.
• Propose to the credit committee appropriate ratings & GRR, using internal tools and Credit Analyst’s judgment.
• Ensure that annual review / transactions deadlines are met.
• Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files.
• Communicate reliably and professionally with both internal and external clients.
• Liaise with different métiers and various BNP Paribas networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed and to minimize overdue files in collaboration with Relationship Managers (coordination role).
• Monitor clients’ credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants change in ratings or any major event or material evolution.
• Contribute to relevant credit projects (tools, process, methodologies… including participation to tests). 

Contributing Responsibilities

• Presentation of credit proposals to local credit committees.
• Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.
• Keep updated on credit policies / methodologies
• Contribute to any other portfolio or credit administrative and statistical works as required. 
• Support team members to maximize the efficiency and effectiveness of the team.
• Assist the Head of CTCM on ad hoc basis as required.
• Provide back-up on tasks performed by CTCM team when necessary. 
• Contribute to the Permanent Control framework. 

Job Requirement

• University graduates, preferably majoring in Finance or Accounting or equivalent
• 3 or above years' of Credit Analyst experience in foreign banks

Technical:    

• Ability to analyze financial statements
• Ability to identify key risk areas and correlate credit risk with transaction risk
• Industry and product knowledge
• Risk evaluation and monitoring
• Compliance with Internal Policies, Procedures, Guidelines, etc.
• Writing skills
• Advanced knowledge of Microsoft Office

Behavioral:

• Analytical & Multi-Tasking skills
• Organizing and control of work
• Detail orientation
• Adaptability
• Ability to work under pressure
• Good interpersonal, presentation & communication skills
• Ability to collaborate / team work
• Good judgement, independent and creative thinking, able to express views and ideas