Position Purpose

To support the growing business development as part of China Growth Plan.

Direct Responsibilities

Mission

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

-             Develop an in-depth understanding of the counterparty groups under his/her responsibility and develop market intelligence by investigating available sources of credit and financial information. 

-             Monitor permanently the portfolio under his/her responsibility to detect any credit issue requiring a specific review.

-             Conduct annual and interim credit reviews. Produce in due time credit analysis and present in Credit Committee a factual summary of client’s credit worthiness (credit proposal) in compliance with the Bank’s procedures and policies. The credit proposal includes a recommendation on the ratings (ensuring consistency with other peers), 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 due diligence on counterparties.

-             Perform portfolio reviews when required.

-             Keep abreast of the changing methodologies and credit policies              

-             Responsible for preparing quality reports for local regulatory and/or management requirements. 

Interactions with the Biome (covered clients) and other Business Lines (uncovered clients)

-             Interacts in full transparency and discuss the credit limits requests with the Biome (SCO & FIC Relationship Manager) and/or the Business Lines

-             Attend when necessary discussions forum under the leadership of the Biome.

-             Prepare credit proposal in the light of FIC commercial strategy, coverage memo, and of any material information (transaction or risks) provided by the RM Pilot / the Biome / the Business Line and work with Business Lines to mitigate risk related to the counterparties

-             Ask for Due diligence‘s meeting or credit review and contribute to the identification of the credit points that need to be discussed with the client (during Due Diligence for example).

Contributing Responsibilities

-             Contribute to the formalization 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 Bank’s reactivity vis-à-vis clients’ expectations by prioritizing urgent requests under his/her responsibility with his/her 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.

Permanent Control Aspects

-             Direct contribution to BNPP operational permanent control framework.

-             Contribute to the implementation of operational permanent control policies and procedures in day-to-day business activities, such as Control Plan

-             Comply with regulatory requirements and internal guidelines

-             Contribute to the reporting of all incidents according to the Incident Management System

-             Ensure audit recommendations are implemented within the specific timeline.

-      Endeavor to ensure the quality of the Bank's portfolio remains sound and healthy.

Technical & Behavioral Competencies

-             At least 7 years’ experience of credit analyst in financial institutions or in a similar position; credit experience in hedge funds and financial sponsor is a plus. 

-             Strong analytical skills with good accounting knowledge

-             Adaptability and proactivity, multitasking

-             Proficiency in both written as well as spoken English and Chinese/Mandarin

-             Good presentation and communication skills (verbal and written)

-             Good knowledge of Microsoft Office (Word, Excel, PowerPoint)

-             Basic knowledge and understanding of banking and financial markets

-             Basic understanding of Corporate Banking and Capital Markets products

-             Self-driven and organized, rigorous and reliable

-             With strong interest and commitment to develop a career path in the expertise of Risk Management.

-             CFA, CPA, or FRM is preferable.