What is this position about?

• Credit Analyst is responsible for the preparation of the credit proposal package including credit analysis (spreading of financial statements, financial and credit rating analysis, portfolio monitoring, etc.) for both existing and new clients of the Bank. 

Primary Role Responsibilities

• Prepare 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.
• Spreading of financial statements
• Understanding and running RAROC simulations
• Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analyst’s judgment.
• Ensure that annual review / transactions deadlines are met
• Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files
• Maintain good knowledge and understanding of the bank policies, processes, risk rating tools, etc.
• Communicate reliably and professionally with both internal and external clients
• Monitor 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.

Other contributions

• Presentation of Credit Proposals to Credit Committees.
• Meet clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit. 
• Participation in discussions on potential deals.
• Participation in projects linked to improving credit process efficiency.
• To contribute to any other portfolio or credit administrative and statistical works as required by management from time to time. 
• Contribute to the Permanent Control framework. 

What is required for you to succeed?

Technical and behavioral competencies 

• Minimum 5 years of experience in corporate banking or credit analysis, preferably with global financial institutions or credit rating agencies
• Professional working proficiency in English language 
• Strong financial statement analysis and corporate credit assessment skills
• Solid understanding of banking products, loan structures, and credit agreements
• Advanced financial modeling and projection skills
• Proficiency in Microsoft Word and Excel
• Excellent written and verbal communication skills
• Team player, able to work independently and engage constructively with senior stakeholders

Required education/certification/licenses

• Bachelor’s degree in Business Administration, Finance, Accounting, Economics or a related filed required 
• Master’s degree (MBA or equivalent) preferred  

About BNP PARIBAS

As the leading European Union bank, and one of the world’s largest financial institutions with an uninterrupted presence in the region since 1860, BNP Paribas offers a wide range of financial services for corporate, institutional and private investors spanning corporate and institutional banking, wealth management, asset management and insurance. 

We passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued and encourage applicants of all backgrounds, including diversity of origin, age, gender, sexual orientation, gender identity, religion applicants who may be living with a disability. We have a number of internal employee networks in place to empower our staff to act and challenge the status quo.

•    BNP Paribas PRIDE is highly active in favour of the LGBTQIA+ community

•    BNP Paribas MixCity which fosters better representation of women at all levels of the organization

•    Ability, the mutual aid network for employees with a disability or a disabling or chronic illness

•    BNP Paribas CulturAll which celebrates diverse backgrounds

BNP is committed to financing a carbon-neutral economy by 2050. The Group is a founding member of the Net-Zero Banking Alliance and has set up its own Low Carbon Transition Group to support its clients through their energy transitions.

https://careers.apac.bnpparibas/

More information 

BNP Paribas - Diversity & Inclusion Journey 

BNP Paribas - The Bank Of Green Changes

Award Obtained

BNPP has won Top employer Europe award in a 10th consecutive year