Institutional Credit Analyst

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

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

To proceed in our recruitment process is mandatory to have working permission to Portugal (visa or residence permission)