Workplace:
Portugal, Lisbon
Education level:
Type of position:
Full-time
Number of positions:
1
Job offer description
About the job
- Conducting annual and interim credit reviews while timely producing a factual summary of client's creditworthiness, compliant with Bank's guidelines, with a recommendation on internal rating/GRR, the limits, the legal credit terms, and risk strategy vis-à-vis the client
Your Main Activities Are
- Institutional Credit Analysis
- Develop an in-depth understanding of the counterparties/groups under own responsibility, while developing market intelligence through all available sources of credit, economic, and financial information
- Coordinate with the Coverage and Métiers the credit risk assessment of the counterparties, including any material transaction or risk information provided by the RM Pilot or the Binome
- Ensuring that the counterparty data management is conducted well, namely on-boarding, collection of documents, and commensurate limits update
- Credit Proposal
- Following the credit risk analysis, timely prepare the CP capturing the recommendations for delegation holders, commensurate with the risk appetite and Coverage commercial strategy, in compliance with Bank's guidelines
- Formalise the credit decision proposal in the internal credit workflow tool
- Present the proposals to the delegation holders and/or credit committees for decision
- Participate to due diligences in collaboration with Coverage and Métiers
- Manage the annual review process, and simple ad-hoc requests on own portfolio
- Risk Monitoring and Reporting
- Continuously monitor the portfolio of counterparties under own responsibility, jointly with Credit Risk Control, monitoring excesses, anticipating risks, and detecting any credit issues that may require a specific review
- Contribute to periodic and ad-hoc portfolio review and risk reporting for counterparties under scope
- Contribute to and attend the Watch List and Doubtful committees for counterparties in own portfolio
Job requirements
Profile and Skills to Success
- Bachelor Degree in Finance / Economics / Risk Management and/or Banking
- At least 2 years of experience in Credit Risk / Market Risk /Financial Analysis and/or Risk Management
- Advanced level of English, both written and oral
- Attention to detail / rigor
- Ability to synthetize / simplify
- Communication skills, both oral and written
- Organisational skills
- Analytical ability
- Adaptability and proactivity, coupled with a creative and problem-solving mindset
- Ability to train and onboard new team members
- Self-driven, organised, rigorous and reliable
- Strong interest and familiarity with risk management best practices, financial markets and economic developments
- Ability to autonomously run/contribute to meetings, projects, seminars, committees or training
- Good understanding and awareness of the regulatory framework for financial institutions
Job restrictions
To proceed in our recruitment process is mandatory to have working permission to Portugal (visa or residence permission)
