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BNP Paribas
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Sr. Assoc / Asst Manager- Credit Analyst Financial Institutions/Funds

Sr. Assoc / Asst Manager- Credit Analyst Financial Institutions/Funds

BNP Paribas

3 - 8 years

8 - 13 Lacs

Mumbai

Posted:3 weeks ago| Platform:

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Skills Required

financial institutions risk management credit analysis presentation skills financial statement analysis accounting financial services excel credit approval writing credit policy credit risk analysis corporate banking powerpoint communication skills

Work Mode

Work from Office

Job Type

Full Time

Job Description

The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions and funds to facilitate informed credit decisions.

Develop in-depth understanding of the groups under the responsibility and develop market intelligence by investigating all available sources of credit and financial information.

Monitor permanently the portfolio under their responsibility to detect any credit issue requiring a specific review.

Conduct Annual and interim reviews. Produce in due time and present in Credit Committee a factual summary of clients credit worthiness (credit proposal), compliant with the Banks 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 required.

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

Guarantee rigorous and synthetic credit risk analysis and recommendation (Annual review, ad hoc, credit notes, comparative analysis)

Guarantee the application of Banks procedures and policies and the consistency of Banks ratings

Contribute

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 appropriate stakeholders

Contribute to the Banks reactivity vis--vis clients expectations by prioritizing urgent requests under their responsibility with 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 credit review

Technical Behavioral Competencies

Strong and proven analytical skills

Adaptability and proactivity, multitasking

Strong presentation and communication skills (verbal and written)

Advanced knowledge of Microsoft Office (Word, Excel, PowerPoint)

Solid knowledge and understanding of banking and financial markets

Understanding of Corporate Banking and Capital Markets products

Self-driven and organized

Rigorous and reliable

Specific Qualifications (if required)

Masters Degree/MSc/Master 2 from Business School or University in Banking, Finance, Economics, Risk Management, Financial Markets or other relevant areas

3 years experience in a similar function

Languages

English (fluent)

Additional Asian language would be welcomed

Skills Referential

Behavioural Skills :

Adaptability

Communication skills - oral written

Client focused

Attention to detail / rigor

Transversal Skills:

Analytical Ability

Ability to develop and adapt a process

Education Level:

Master Degree or equivalent

Experience Level

At least 7 years

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Sr. Assoc / Asst Manager- Credit Analyst Financial Institutions/Funds