About the job
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.
The Credit Team performs credit analysis and provide 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.
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.
Your Main Activities Are
- 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.
Interact with and act as a service provider to Credit Officers:
Guarantee:
Manage:
Contribute to:
- Contribute to the Bank?s reactivity vis-à-vis clients? expectations by prioritizing urgent requests under his/her responsibility with his/her manager
Profile and Skills to Success
Languages
Why joining BNP Paribas?
BNP Paribas is a leader in the Eurozone, and a prominent international banking institution with strong roots in Europe's banking history. It has a presence in 68 countries, with around 193 000 Employees ? including more than 148 000 in Europe.
Since 1985, BNP Paribas was one of the first foreign banks to operate in the country. Today, the Group has around 6.500 employees across several entities operating directly in the territory, offering a wide range of integrated financial solutions to support its clients and their businesses.
Thanks to its international presence and regular and close collaboration among its different entities, BNP Paribas has the resources to support all clients with financing, investment, savings and protection solutions that help make their projects a success. BNP Paribas holds key positions in its three core operating divisions: Domestic Markets and International Financial Services for retail banking and specialised financial services, and Corporate & Institutional Banking for corporate and institutional clients.
In its Corporate & Institutional Banking and International Financial Services activities, BNP Paribas also enjoys top positions in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific.
BNP Paribas is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity. We strive to reflect the society we live in, while keeping with the image of our clients.
To find out more on why you should join BNP Paribas visit https://bnpp.lk/why-BNP-Paribas-Portugal