About BNP Paribas Group:
BNP Paribas Group is a leading European bank with
a strong global footprint across 72 markets and more than 202,000 employees. The Group provides corporates, institutional and private
investors with product and service solutions tailored to their specific
needs. It offers a wide range of financial services covering corporate &
institutional banking, wealth management, asset management, insurance, as
well as retail banking and consumer financing through strategic partnerships.
About BNP Paribas India Solutions:
2005, BNP Paribas India Solutions is a wholly owned subsidiary of BNP Paribas
Group, a leading bank in Europe with an international reach. With delivery
centers located in Mumbai and Chennai, we are a 24x7 global delivery center.
We partner various business lines of BNP Paribas such as Corporate and
Institutional Banking, Wealth Management, Retail Banking through three
verticals - Information Technology, Operations and Finance Shared Services.
About Businessline/Function :
RISK Institutional & BP2S is a domain of
the RISK function in charge of covering all Institutional credit risk profile
and related credit approval processes.
In this domain the Credit Team is
responsible for completing the credit analysis for financial institutions and
BP2S clients (including due diligence when necessary).
In particular, the Credit Team ensures that
credit analysis and recommendations are provided in due time for Banks,
Insurances, Sovereign, Brokers, other non-banks financial institutions, pensions
funds, funds, hedge funds, regulated funds, funds of hedge funds, agency
arrangements and asset managers.
Credit Team performs credit analysis and provides credit recommendations on
their respective delegation perimeter to Credit Committees, Transaction
Approval Committees when the credit opinion on a specific counterparty is
required, other RISK entities, Business Units or functions in response to
general enquiries, Portfolio review committees.
Senior Associate – Credit Analysis
Business Line / Function:
Number of Direct Reports:
Directorship / Registration:
The Credit Team guarantees the selection and
the follow up of counterparties considered Doubtful, under Watch List or
sensitive list, evaluates the accurate level of provisioning, guarantees the
quality of credit files and portfolios (notably by complying with regulatory
framework e.g. Basel III requirements and including credit policies, rating
policies and other Group guidelines), develops local market intelligence by
performing desk research (financial statement analysis, monitoring of
published research), maintains a network of Industry contacts and performs on
site due diligence, guarantees that available local market information and
views on risk issues are communicated swiftly and effectively.
The Credit Team is a main partner for the Senior Credit Officers
and their “binomes”
for the clients covered by the financial institution credit process and is
also in permanent interaction with other business lines for uncovered clients
- The credit analyst is responsible for
completing credit analysis on a portfolio of Financial Institutions to
facilitate informed credit decisions.
- Develop a in-depth understanding of the
groups under his/her responsibility and develop market intelligence by
investigating all available sources of credit and financial information.
- Monitor permanently the portfolio under
his/her responsibility to detect any credit issue requiring a specific
- Conduct Annual and interim reviews.
Produce in due time and present in Credit Committee a factual summary of
client’s credit worthiness (credit proposal), compliant with the Bank’s
guidelines. The credit proposal includes a recommendation on the
ratings, the limits, the legal credit terms and the risk strategy
vis-a-vis the client.
- Develop a good knowledge of the banking
environment: capital market products, legal documentations, accounting
and regulatory environments.
- Perform portfolio reviews when
- Keep abreast of the changing
methodologies and credit policies
Interactions with the (clients under coverage)
- Interacts in full transparency with the clients under coverage.
- Attend, when necessary, discussions forum under the leadership of
the clients under coverage.
- Guarantee rigorous and synthetic credit
risk analysis and recommendation (Annual review, ad hoc, credit notes,
- Guarantee the application of Bank’s
procedures and policies and the consistency of Bank’s ratings
- Contribute to the formalisation of the
credit decisions in the credit workflow tool
- Contribute to the risk strategy
definition by providing recommendation on the risk profile of the
counterparty and on specific transactions in relationship with the
- Contribute to the Bank’s reactivity
vis-à-vis clients’ expectations by prioritizing urgent requests under
his/her responsibility with his/her manager
- Contribute to the quality of process :
use adequately the credit process’ flow and workflow system, maintain critical client data,
interact efficiently ahead of credit committee with the various stakeholders
of the credit process
- Contribute to the development of
policies, reports and risk tools, and to the Credit Process optimization
Interactions with Business Lines (uncovered clients)
- Discuss the requests of Credit limits
with the Business Lines
- Provide credit analysis and
recommendation in the frame of AR or ad hoc Credit Committee on clients
followed by Business Lines
- Work with Business Lines to mitigate risk
related to the counterparties
- Ask for Due diligence ‘s meeting or
Technical & Behavioral Competencies
and proven analytical skills
and proactivity, multitasking
presentation and communication skills (verbal and written)
knowledge of Microsoft Office (Word, Excel, PowerPoint)
knowledge and understanding of banking and financial markets
of Corporate Banking and Capital Markets products
Specific Qualifications (if required)
Master’s Degree/MSc/Master 2 from Business School or University in
Banking, Finance, Economics, Risk Management, Financial Markets or other
- 4-5 years
experience in a similar function
- Additional Asian
language would be welcomed
Behavioural Skills: (Please select up to 4 skills)
skills - oral & written
to detail / rigor
Skills: (Please select up to 5 skills)
develop and adapt a process
Master Degree or equivalent
At least 5 years
Other/Specific Qualifications (if required)