Institutional Credit Analyst
Aangeboden door:
Beschikbaar voor evenement:
Werkplek:
Portugal, Lisbon
Opleidingsniveau:
Type functie:
Full-time
Aantal functies:
1
Beschrijving vacature
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
Functievereisten
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
Beperkingen
To proceed in our recruitment process is mandatory to have working permission to Portugal (visa or residence permission)
