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Credit Management Associate Chile & Peru

Business Overview:

Corporate Credit Management (“CCM”) Chile & Peru is a transversal Team in support of approximately 30 Corporate Clients of the Chile & Peru platform. The CCM Team works to ensure coverage, monitoring & execution of all counterparty risk requests for the Corporate platform. 

Responsibilities: 

Responsible for the credit management of assigned corporate client relationships. Specifically: 

  • Manage and monitor the credit quality of a portfolio of assigned corporate clients & prospects including periodic review of borrower financial statements, covenant compliance reports, press releases and news articles, rating agency and equity analyst reports, industry trends, etc.
  • Evaluate clients/transactions for risk-related changes
  • Clients consists of local Pilot companies and subsidiaries (i.e. “Contributors”) of foreign companies 
  • Perform credit analysis and prepare credit memoranda for assigned accounts including new transactions, annual reviews, renewals, amendments, waiver requests and financial updates
  • Strong interaction with the Risk department, Coverage and Product teams including coordinating the credit process amongst the various Product and Risk Teams to ensure an efficient turnaround of transactions
  • Maintain reporting related to portfolio review, including pipeline tracking, exposure tracking, and other general reports (including WL reports, High Leverage Lending)
  • Maintain credit management systems up to date (CRF and MCA)
  • Coordinate and optimize Credit Process interactions in order to comply with deadlines for timely production of credit proposals and circulation to Credit Committee
  • Attend bank meetings and/or client calls with the Relationship Manager
  • Manage and monitor the credit quality of a portfolio of assigned corporate clients & prospects including periodic review of borrower financial statements, covenant compliance reports, press releases and news articles, rating agency and equity analyst reports, industry trends, etc.
  • Anticipate credit issues and alert local management on all related hot topics.
  • Mentor Juniors: Coach and serve as point person for more junior analysts in the team.

Minimum Required Qualifications

  • Degree in Finance, Economics or Business Administration (Accounting would be a plus)
  • Solid knowledge of financial statement analysis and fundamental corporate credit analysis
  • Good knowledge of general banking products and banking policies, procedures and methodologies
  • Projection modeling skills
  • Result oriented 
  • Independent opinion
  • Strong team player
  • Collaborative and innovative mindset
  • Client (internal and external) focus
  • High standards of compliance and conduct
  • Strong business writing skills
  • Proficiency in Word and Excel 
  • Minimum of 2-3 years of credit analysis experience covering Corporates at an International Financial Institution
  • English proficiency a must, knowledge of Portuguese and/or French a plus
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Pour quelles raisons je rejoindrais BNP Paribas et pas une autre entreprise ?

Parce que je souhaite...

  • Et si on vous disait que travailler dans notre Groupe, ce n’est pas ce que vous croyez ? Chez BNP Paribas, on exerce une multitude de métiers qui évoluent en permanence pour être en phase avec les attentes des clientes et clients comme de la société. Au travers d’actions du quotidien ou de grands projets, exercer l’un de nos métiers, c’est s’engager pour agir durablement.

  • Se sentir bien dans son job, c’est avant tout venir travailler comme on est.  C’est aussi avoir les moyens d’un bon équilibre entre sa vie professionnelle et sa vie personnelle. Deux engagements majeurs pour BNP Paribas.

  • Chez BNP Paribas, le développement de vos compétences est essentiel, pour vous comme pour nous. Et cela vous servira pour toute votre vie professionnelle.

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