Institutional Credit Analyst - Funds

About The Job

• Conducting annual and interim credit reviews while timely producing a factual summary of client's creditworthiness, compliant with Bank's guidelines, with a recommendation on internal rating/GRR, the limits, the legal credit terms, and risk strategy vis-à-vis the client

Your Main Activities Are

• Institutional Credit Analysis: Develop an in-depth understanding of the counterparties/groups under own responsibility, while developing market intelligence through all available sources of credit, economic, and financial information; Coordinate with the Coverage and Métiers the credit risk assessment of the counterparties, including any material transaction or risk information provided by the RM Pilot or the Binome; Ensuring that the counterparty data management is conducted well, namely on-boarding, collection of documents, and commensurate limits update
• Credit Proposal: Follow credit risk analysis, timely prepare the CP capturing the recommendations for delegation holders, commensurate with the risk appetite and Coverage commercial strategy, in compliance with Bank's guidelines; Formalize the credit decision proposal in the internal credit workflow tool; Present the proposals to the delegation holders and/or credit committees for decision; Participate to due diligences in collaboration with Coverage and Métiers; Manage the annual review process, and simple ad-hoc requests on own portfolio
• Risk Monitoring and Reporting: Continuously monitor the portfolio of counterparties under own responsibility, jointly with Credit Risk Control, monitoring excesses, anticipating risks, and detecting any credit issues that may require a specific review; Contribute to periodic and ad-hoc portfolio review and risk reporting for counterparties under scope; Contribute to and attend the Watch List and Doubtful committees for counterparties in own portfolio

Profile And Skills To Success

• Master’s degree in Economics, Finance and Accounting
• Up to 2 years of professional experience
• Knowledge in Risk Management - Risk analysis
• Proficient level of Excel and Word
• Fluency in English
• Analytical Ability
• Good Communication skills - oral & written
• Attention to detail/rigor
• Ability to synthetize/simplify

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 centres 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.