Credit Analyst

5 months ago

Sydney, Australia BNP Paribas Full time

CREDIT ANALYST (JOB NUMBER: CTC000088)

As the leading European Union bank, and one of the world’s largest financial institutions with an uninterrupted presence in the region since 1860, BNP Paribas offers a wide range of financial services for corporate, institutional and private investors spanning corporate and institutional banking, wealth management, asset management and insurance.

We passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued and encourage applicants of all backgrounds, including diversity of origin, age, gender, sexual orientation, gender identity, religion applicants who may be living with a disability. We have a number of internal employee networks in place to empower our staff to act and challenge the status quo.

BNP Paribas PRIDE is highly active in favour of the LGBTQIA+ community
BNP Paribas MixCity which fosters better representation of women at all levels of the organization
Ability, the mutual aid network for employees with a disability or a disabling or chronic illness
BNP Paribas CulturAll which celebrates diverse backgrounds

BNP is committed to financing a carbon-neutral economy by 2050. The Group is a founding member of the Net-Zero Banking Alliance and has set up its own Low Carbon Transition Group to support its clients through their energy transitions.

More information
BNP Paribas - Diversity & Inclusion Journey
BNP Paribas - The Bank Of Green Changes

Award Obtained
BNPP has won Top employer Europe award in a 10th consecutive year

**What is this position about?**
Preparation of credit analysis, including recommendation to the credit committee, with a view to minimize credit losses and promote business development.

**What would be your typical day at BNPP Paribas look like?**
- Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks.
- Spreading of financial statements
- Understanding and running Risk Adjusted Return On Capital simulations
- Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analyst’s judgment.
- Presentation of credit proposals to local credit committees
- Ensure that annual review / transactions deadlines are met
- Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files
- To contribute to any other portfolio or credit administrative and statistical works as required such as sector analysis, RPC and watchlist / doubtful processes
- Maintain good knowledge and understanding of the bank policies, processes, risk rating tools, etc.
- Supporting team members to maximize the efficiency and effectiveness of the team
- Communicate reliably and professionally with both internal and external clients
- Participation in projects linked to improving credit process efficiency
- Liaison with different métiers and various BNP Paribas networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed and to minimize overdue files in collaboration with Relationship Managers (coordination role)
- Monitor clients’ credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants change in ratings or any major event or material evolution.
- Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit
- Participation in discussions and on potential deals
- Obtaining information on clients, the market, regulatory requirements as needed to assist with credit analysis
- Synthesises and Interprets data from financial reports, periodicals etc and makes recommendations
- Analyses financial markets and financial market products
- Providing information and offering advice on financial market matters, market conditions and the history and prospects of corporations
- Other duties assigned by management from time to time.

**The salary range for this role is AUD $80,000 to $100,000 per annum**

**What is required for you to succeed?**
- Tertiary degree qualified in finance, accounting, commerce, law and/or engineering;
- 3+ years working in Financial Services, with experience in Credit and/or Investment Banking.

**Primary Location**: AU-NSW-Sydney

**Job Type**: Standard / Permanent

**Job**: RISK

**Education Level***: Other Degrees / Certifications / Vocational, Technical or Professional Qualifications

**Experience Level***: At least 3 years

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