About the job
- The main missions of the Senior Credit Analyst are to proceed to the credit risk analysis of a counterpart, assess the factorability of the operations, contributing to the portfolio risk monitoring and follow-up
- Her/his position is sedentary, but he/she may have to travel as part of his duties
- The actions carried out must consider the branch's development priorities both in terms of products and markets and must be carried out in a spirit of transversality with the other departments of the branch
- The employee must carry out his duties in a responsible manner in accordance with the values and beliefs of the BNPP Group – Code of conduct – and in particular the principles of diversity and inclusion
Your Main Activities Are
- Perform financial accounts analysis of the counterparts (prospects or clients), assessing a BNPP Rating in the Group CRF tool; Review this rating once a year
- Issue a risk advice, based on the credit analysis of the prospect/client and the contract’s configuration/factorability
- Be able to perform client audits, if requested
- Realise a second level of control regarding the annual client reviews
- Be able to elaborate the contracts to the new clients, based on pre-approved minutes
- Elaborate eventual necessary addendums to the contracts of existing clients
- Ensure the monitoring of the client portfolio, with special focus on watch listed files.
- Know and apply the rules and surveillance measures established by Compliance, in terms of Financial Security and Protection of Clients' Interests, Market Integrity, Professional Ethics and Banking and Tax Law
- Act in accordance with the Anti-Money Laundering, Terrorist Financing, Tax Fraud, Internal and External Corruption, Market Integrity and Banking and Tax Law Compliance Directives and apply the guidelines on international financial sanctions and KYC policies
- Ensure that the company complies with the principles that grant the protection of the client's interests in the sale of products and services, understanding the needs, with fair treatment, informing the client in a timely manner, clearly and accurately. Act ethically and with integrity, in accordance with the Code of Conduct
Profile and Skills to Success
- Bachelor’s degree in Economics, Finance, or related fields
- At least 5 years’ experience as Credit Analyst/ Financial Analyst
- Fluent in Portuguese and English
- Ability to deliver/Results driven
- Organisational skills
- Ability to collaborate/Teamwork
- Decision Making
- Ability to set up relevant performance indicators
- Ability to inspire others & generate peoples’ commitment
- Risk Management – Risk Anticipation
- Credits - Factoring
- Risk Management – Risk opinion
#LI-Hybrid
Why joining BNP Paribas?
BNP Paribas, the European leader in banking and financial services in Europe, operates in 64 countries and has nearly 180,000 employees. The Group is structured around three operating divisions. Its business lines cooperate closely, as part of our integrated model, to meet the needs of all our clients in a coordinated manner:
- Corporate & Institutional Banking (CIB), connects corporate clients needing financing and institutional clients looking for investment opportunities;
- Commercial, Personal Banking & Services (CPBS), brings together all the Group’s commercial & personal banking and several specialised businesses;
- Investment & Protection Services (IPS), combines a unique continuum of products and services across protection, saving, investment and real-estate.
Our presence in Portugal
In Portugal since 1985, BNP Paribas today has more than 9.700 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.
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.
