CREDIT ANALYST - Bnp Paribas - Madrid - Wizbii

CREDIT ANALYST

  • Por Bnp Paribas
  • Contrato indefinido
  • Madrid (España)
  • Finanzas / Control de gestión

Job description

MISSIONS:

As a Credit Analyst, he/she will be reponsible for conducting counterparty and Credit Analyst and for monitoring the exposure and profitability of a portfolio of assigned clients.

· To quantify, qualify and to ensure the follow up of Counterparty/Credit Risk assessment (client & prospects) and exposures of an assigned portfolio in order to enable decision makers to commit BNPP in acceptable Deals/relationships and to monitor the global Risk the Bank undertakes.

· To ensure the data collection and consistency and to analyse/exploit all relevant internal and external information (memos, annual reports, financial statements, industrial / sector-based analysis, brokers notes, press, web sites information…) on his/her clients portfolio.

· To act as an interface amongst the different participants of the Credit Process.

· To participate, with the Relationship Manager, to the banking relationship follow up, in order to better identify credit and counterparty riks.

ACTIVITIES:

COUNTERPARTY & CREDIT RISKS: The major responsibility of a Credit Analyst is to objectively diagnose and evaluate the Counterparty and Credit Risks of an assigned portfolio and to analyse the profitability Clients generate for the Bank.

· He/She prepares the Annual Reviews (AR) for files that belong to his/her assigned portfolio and presents the New Resquests (NR) under the responsibility of Coverage - including prospects ones - by writing up exhaustive but synthetic Credit Proposals based on a selective commercial and/ or risk approach. It includes:

- The annual re-treatment of the Counterparty's financial statements (social & consolidated) into a Spreadsheet.

- The analysis of the lines/global Exposure on a Counterparty/Corporate Group, in term of commitments, amount, maturity, pricing, utilisations, term sheets, security package, covenants, legal aspect…

- The analysis of the Business(Country of business/ Environment/ Sector/ Leading position/ Peer analysis/ Management & strategy) and the Financial Risk Profiles (liquidity/ solvency/ Re-payment capacity/ funding sources) of the clients.

· He/She also prepares synthetic notes to present the main issues of the Credit Proposals (AR or NR) transmitted by contributors Sites:

- He/She sets the Counterparty into the Group context, identifying major risks and commercial key issues.

- He/She highlights the stake of proposed transaction/ relationship regarding the Bank strategy towards the Corporate Group, especially its profitability.

- He/She concludes with a well-argued recommendation.

· On a regular basis, He/She develops and updates Client's understanding/signals, at an early stage, and any change that can impact on credit quality, market, strategy and financing opportunities.

- He/She understands sectors evolution and their risk issues,

- He/She deeply knows customers activities and their related risks.

- He/She positions clients on their different markets segments regarding their peers.

- He/She confronts possible scenarios of evolution and establishes anticipations.

· He/She can present files in local committee if needed.

· From time to time, He/She contributes to the risk reporting: PRC, income by specific geographic zones, committee of debtors, Watchlists…

CLIENT RELATIONSHIP SUPPORT: Credit Analyst supports Coverage Officers in the client relationship follow up.

• He/She ensures the follow up of the global relationship between Bank network/ Business lines and Corporate Group's subsidiaries in relation overseas:

• He/She coordinates when applicable: Legal Docs wording writing up, guarantee's collection/registration. Covenants' respect. Bid offers' reponses. Facilities' proper booking.

• He/She collects information on income sources and realises analysis on Client profitability (annually and punctually). He/She can propose actions besed on profitability parameters when needed.

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About Bnp Paribas

Acteur majeur de BNP Paribas la Banque de Détail en France (BDDF) place la satisfaction client et la capacité d'innovation au cœur de son modèle commercial. Son dispositif commercial se compose d'Agences dédiées aux particuliers et entrepreneurs de Centres de Banque Privée de Centres d'Affaires Entreprises d'une Banque en Ligne et de Centres spécialisés en charge du Traitement des Opérations. Le réseau d'agences accompagne ses clients particuliers et professionnels dans leurs projets que ce soit en termes de banque au quotidien ou de projets plus complexes avec pour objectif de chaque instant leur pleine satisfaction.   Nous rejoindre c'est partager notre volonté de servir nos clients Vous suivrez une formation bac+5 et souhaitez travailler en conseil financier auprès d'une clientèle avertie ?  Dans le cadre d'une convention de stage de fin d'études nous vous préparons à devenir Conseiller Patrimonial   Le Conseiller Patrimonial est responsable de la gestion et du développement d'un portefeuille de clients particuliers et/ou professionnels. Il est l'interlocuteur privilégié en charge de leurs intérêts financiers juridiques et fiscaux.

1574 vacancies open at Bnp Paribas

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