About the job

• Within Investment and protection Services (IPS), the Wealth Management Credit Analysis and Lending Team performs credit analyses of all Wealth Management clients
• In this scope, credit analysts are responsible to perform credit analyses (including due diligence when necessary) and recommendations to Credit Committees, Transaction Approval Committees when the credit opinion on a specific counterparty is required
• Credit Analysis and Lending Team guarantees the selection and the follow-up of counterparties considered Doubtful, are on the Watch List or sensitive list, accurately evaluates the level of provisioning, guarantees the quality of credit files and portfolios (notably by complying with regulatory framework, including credit policies, rating policies and other Group guidelines), maintains a network of Industry contacts and performs on site due diligence, develops local market intelligence by performing on-the-desk research (financial statement analysis, monitoring of published research), while guaranteeing the availability of local market information and views on risk issues are communicated swiftly and effectively
• Credit analysts are a main partner for the RISK Credit Officers and Relationship Managers for the clients falling under the Wealth Management credit process and is also in constant interaction with other business lines 

Your Main Activities Are

• The mission is to ensure the daily support of the activity, and more precisely
  1. Analyze and prepare the files for the clients, notably the annual reviews
  2. Participate to credit committees
  3. Manage a portfolio of credit files
  4. Assist and advise the WM Relationship Managers in their credit-related issues and in finding financing solutions
  5. Contribute to the risk monitoring and regularization of credit irregulars
  6. Ensure the necessary follow-up with the various stakeholders
  7. Engage to various one-off projects and transversal missions within the Credit Department

Profile and Skills to Success

• Bachelor degree in Economics, Finance or Banking
• At least 1 year of Experience
• Proficiency in Microsoft Office (Word, Excel, PowerPoint)
• Fluent in English 
• Strong presentation and communication skills (verbal and written)
• Strong analytical skills
• Autonomous, proactive, rigorous, dynamic
• Team spirit, good personal relationship skills

#LI-Hybrid 

Why joining BNP Paribas? 

· Leading banking institution

BNP Paribas is the European Union’s leading bank, and key player in international banking. It operates in 63 countries and has nearly 183.000 employees, including more than 146.000 in Europe.

· Our presence in Portugal

In Portugal since 1985, BNP Paribas today has more than 8.700 employees, distributed across the Group's 10 business entities established in the country. Its presence also extends to 11 excellence centres providing value-added services to various countries where the BNP Paribas Group also operates.

· International reach 

Thanks to its international presence and regular and close collaboration among its different entities, BNP Paribas has the resources to support all clients with financing, investment, savings and protection solutions that help make their projects a success. BNP Paribas holds key positions in its three core operating divisions: 

• Retail Banking, a division that brings together all of the Group’s retail activities and specialised business lines; 
• Investment & Protection Services that include specialised businesses offering a wide range of savings, investment and protection services; 
• Corporate & Institutional Banking division that offers tailored financial solutions for corporate and institutional clients.

· Diversity and Inclusion commitment 

BNP Paribas is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity/paternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity. We strive to reflect the society we live in, while keeping with the image of our clients.

· Commitment towards work/life balance

At BNP Paribas we care about our employees wellbeing and promote a culture of good integration between work and rest. We believe our employees have rich personal lives outside of work, being fundamental to be disconnected from work to recharge both physically and mentally. Only through this balance we may all be at our best while working.

· Remote Working Conditions

At BNP Paribas, we embrace a Smart Working framework based on trust, autonomy and collaboration. Within this framework, eligible employees can benefit from flexible remote working modalities adapted to our hybrid working environment. To guarantee a comfortable and efficient working set-up, eligible employees are provided with both the office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional equipment at reduced prices. 

To find out more on why you should join BNP Paribas visit https://bnpp.lk/why-BNP-Paribas-Portugal

* Please note that only applications submitted in English will be considered. 

* In case you are selected for this role, further documentation will be requested to support your hiring process.