Head of Coverage and Territories Credit Management

Key Responsibilities

Managerial role:

• Supervision and management of the Credit Analyst team.
• To ensure that credit proposals are completed in due time and in compliance with the quality standards of the Bank (efficiency and productivity), implying the monitoring of the whole credit portfolio and managing the calendar to avoid past due reviews.
• To ensure that internal credit policies are applied and followed.
• To master and continuously improve the credit processes.
• To review the credit proposals prepared by the Credit Analysts.
• Supporting team members to maximize the efficiency and effectiveness of the team
• Assessment of performances through the year and execution of the annual appraisals.
• To ensure that adequate training is followed by the team members to improve efficiency and quality of credit analysis.
• Coordination of the recruitments.

Contributions:

• Support of Management: portfolio oversight and risk anticipation.
• Participation in discussion of complex transactions and credit committees when necessary.
• Support to Coverage and Business lines: reactivity, capacity to mobilize resources to support Business lines.
• Regular communication with Business Lines, Coverage, SEA Regional office, and APAC SMS to improve the credit process.

Credit Analyst Role:

• 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.
• Spreading of financial statements
• Understanding and running RAROC simulations
• Proposing 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
• Maintain good knowledge and understanding of the bank policies, processes, risk rating tools, etc.
• Communicate reliably and professionally with both internal and external clients
• 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.

Contributions:

• Presentation of credit proposals to local and APAC credit committees.
• To contribute to any other portfolio or credit administrative and statistical works as required such as sector analysis, RPC and watchlist / doubtful processes.
• Participation in projects linked to improving credit process efficiency.
• Liaison 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).
• Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of their financial performance and credit standing.
• Participation in discussions and on potential deals.
• Other duties assigned by management from time to time.

Permanent Control:

·      Direct contribution to BNP Paribas operational permanent control framework

·      Ensure that the work produced is complied with the operational permanent control, legal and regulatory framework and requirement.