Senior Associate – Credit Analyst

Position Purpose

This role is responsible for performing credit analysis of MNC clients and recommendation for corporate advances with a view to minimize credit losses and promote business growth.

Responsibilities

To be referred to the Credit Analyst Charter and Mission Statement.

Direct Responsibilities

oPrepare 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.

oProposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analyst's judgment.

oEnsure that annual review / transactions deadlines are met.

oPerform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files.

oCommunicate reliably and professionally with both internal and external clients.

oLiaison with different mtiers and various BNPParibas 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)

oMonitor 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.

Contributing Responsibilities

oPresentation of credit proposals to local credit committees.

oMeet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.

oParticipation in discussions and on potential deals.

oKeep updated on credit policies / methodologies

ocontribution to relevant credit projects (tools, process, methodologies including participation to tests).

oTo contribute to any other portfolio or credit administrative and statistical works as require such as sector analysis, RDPC (Risk & Development Policy Committees) and watch list / doubtful processes.

oSupporting team members to maximize the efficiency and effectiveness of the team.

oAssist the Head and team Lead of CTCM on ad hoc basis as required.

oProvide back-up on tasks performed by CTCM team when necessary.

oContribute to the Permanent Control framework.

Compliance

oBeing aware of the regulatory environment.

oEnsure compliance with regulatory mechanisms and compliance of credit process with the same.

Support in responding on credit-related matters from the regulators / internal auditors.

Technical & Behavioral Competencies

Technical:

Ability to analyze financial statements.

Credit Appraisal - Identification of risk areas

Ability to 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 ideas.

Specific Qualifications (if required)

Credit Appraisal

Skills Referential

BehaviouralSkills: (Please select up to 4 skills)

Attention to detail / rigor

Ability to deliver / Results driven

Ability to collaborate / Teamwork

Adaptability

Transversal Skills:(Please select up to 5 skills)

Analytical Ability

Ability to manage a project

Ability to develop others & improve their skills

Ability to develop and leverage networks

Ability to manage / facilitate a meeting, seminar, committee, training

Education Level:

Bachelor Degree or equivalent

Experience Level

At least 2 years

Other/Specific Qualifications(if required)