Senior Associate - Credit Documentation

The position is located in ISPL (India) and report to Manager

CTM is responsible for ensure credit approvals and credit reviews are updated/documented in a timely manner.

Responsibilities

• Preparation of credit and security documents in line with the credit approvals
• Documentation control to ensure that terms & conditions of Facility Documents conform to credit decision and legal requirement.
• Validate fulfilment of conditions precedent, control limit availability in systems (Atlas II and CAT) in conformity to credit decisions and documentations, follow up on condition subsequent, documents/temporary waiver
• Validate the framework of required covenants in the Covenant Manager tool, against executed credit agreements
• To certify/validate the risk data integrity in risk systems, Atlas II, RGM, CAT, and CRF in conformity with credit decision and of risk data related to Guarantors and guarantee records
• To regularly report and monitor any anomalies in legal documentation and expiry date of legal documentation.
• To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
• Contribute to successful delivery of systems and control reports enhancement with adequate UATs
• Promote and contribute to the implementation of a common culture and approach within CTM, and promote individual initiative, autonomy and versatility
• After reception of signed legal documents
• In cases where required, prepare additional documents (e.g. registration form for security documents, tenancy consent letter), invoice for set-up fees, memo to relevant department to arrange retrocession payment, etc.
• Collection and follow-up of various fees such as renewal, commitment and upfront fees,.
• Input of the guarantee data in the Received Guarantee Module and keep up to date the data for all credit facilities
• Input covenant framework and testing result in the Covenant Manager tool
• Input required audit financial statement for both customers and guarantors and follow up with Business/ CA to ensure receipt of required audit financial statement
• Analyse credit committee decisions and ensure credit review updates are transposed and updated into respective systems.
• Ensure control checklists are adequately prepared.
• Monitoring of genuine excess or exceptions for financing mtiers products
• Ensure all monitoring and data control Reports (excess, covenants, utilisations, wathclist ETC) are adequately prepared, tracked and monitored

- Input and update credit risk data in bank accounting system and FX limits based on credit approval output.

- Input and update overdraft rates in bank accounting system based on credit approval output.

- Maintenance of monthly KPI reporting/ dashboard

- Input required audit financial statement for both customers and guarantors and follow up with Business/ CA to ensure receipt of required audit financial statement

• Contribute to successful delivery of systems and control reports enhancement with adequate UATs
• Participate and contribute local/regional/global projects
• Contribution to Regulatory/IG audits
• Participate and contribute to BCP

• To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
• Promote and contribute to the implementation of a common culture and approach within ITO 3C, and promote individual initiative, autonomy and versatility
• Possess a culture of accountability and discipline for management of credit risk data quality
• Clear understanding of data definition in order to secure the data quality
• Direct contribution to BNPP operational permanent control framework.
• Comply with regulatory requirements and internal guidelines

• Good understanding of risk concepts and methodologies.
• Good understanding of Financial products for banks/ FIs
• Knowledge of credit processes
• Good understanding of transaction workflows, booking concept and booking system
• Being familiar with local regulations
• Commitment to the role and capacity to meticulously implement the ITO 3C Mission Statement
• Excellent written and verbal communication skills
• Excellent attention to detail
• Strong interpersonal skills
• Good time-management skills
• Autonomy and capacity to take initiative
• Capacity to remain objective and independent in order to fulfil the control role required

• Work under pressure
• Accurate and attention to detail/ rigor
• Committed and Motivated by a strong sense of accountability and care about delivering.
• Team player and Collaborative
• Ability to collaborate/ Teamwork
• Active listening
• Ability to deliver/ results driven

Degree in Banking & Finance or equivalent qualification in Banking sector with more than 5 years relevant experience in preparation and review of legal credit and security documentation on structured deals, control and monitoring function of corporate credit

Skills Referential

Behavioural Skills: (Please select up to 4 skills)

Attention to detail / rigor

Ability to collaborate / Teamwork

Ability to deliver / Results driven

Creativity & Innovation / Problem solving

Active Listening

Transversal Skills: (Please select up to 5 skills)

Ability to develop others & improve their skills

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

Ability to develop and adapt a process

Ability to inspire others and generate people's commitment.

Ability to setup relevant performance indicators.

Ability to anticipate business/ strategic evolution