Position Purpose
1. Preparation of credit proposals with comprehensive analysis including new facilities/ clients, amendments and administrative renewals in a proper and efficient manner.
2. Perform the necessary credit administrative and statistical works as required.
3. Other duties assigned by management from time to time.
Responsibilities
Direct Responsibilities:
- Gather appropriate client information to be able to present and mitigate risks.
- Deliver a complete, synthetic and coherent up-to-date counterparty and credit risk analysis, based on facts and compliant with the Bank’s guidelines.
- Complete Credit Proposals enabling the Credit Committee to make an informed decision.
- Support the Relationship Manager / Front Officer in credit process-related matters within own scope (handling of CRF, CreditPoint, MyCreditApp, etc.)
- Portfolio monitoring (follow-up of financial covenants, risks alert, core data checks).
- Keep updated with credit methodologies and policies.
- Share information and develop industry intelligence.
Contributing Responsibilities:
- Presentation of Credit Proposals to local Credit Committees.
- Meet clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.
- Participation in discussions on potential deals.
- Participation in projects linked to improving credit process efficiency.
- To contribute to any other portfolio or credit administrative and statistical works as required by management from time to time.
- Contribute to the Permanent Control framework.
Permanent Control Aspects
- Direct contribution to BNPP operational permanent control framework.
- Contribute to the implementation of operational permanent control policies and procedures in day-to-day business activities, such as Control Plan
- Comply with regulatory requirements and internal guidelines
- Contribute to the reporting of all incidents according to the Incident Management System
- Ensure audit recommendations are implemented within the specific timeline.
Technical & Behavioral Competencies
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 idea
Specific Qualifications (if required)
- University graduates, preferably majoring in Finance or Accounting or equivalent
- 5 or above years' of Credit Analyst experience in foreign banks
