Credit Analyst

**Reporting line**:

- Head of Credit Analysts / Head of Credit Management.

**Mission**:

- Preparation of credit analysis, including recommendation to the credit committee, with a view to minimize credit losses and promote business development.

**Role and Responsibilities**:

- Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the Bank’s policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks.
- Maintain good knowledge and understanding of the Bank policies, processes, and risk rating tools.
- Spreading of financial statements.
- Assessing and proposing to the credit committee appropriate Credit Risk Ratings & Global Recovery Rates (“GRR”), using internal tools and the Credit Analyst’s expert judgment.
- Presentation of credit proposals to credit committees.
- Ensure that annual review / transactions deadlines are met.
- Understanding and running Risk Adjusted Return on Capital (“RAROC”) simulations.
- 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, and watchlist / doubtful processes.
- Support 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 in collaboration with Relationship Managers (co-ordination role).
- Monitor clients’ credit evolution and 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 our clients and credit risk.
- Participation in discussions and on potential deals.
- Other duties assigned by management from time to time.

**Individual competencies**:
**Synthetic thinking**:

- The Credit Analyst goes right to the point and is able to highlight key points in a precise way.
- Is able to elaborate well-structured presentations.

**Reliability**:

- The Credit Analyst performs rigorous and accurate analysis.
- Applies sample check controls to his own work.
- Is able to identify and communicate alerts if and when needed.
- Ability to deliver on time.
- Sense of responsibility.

**Intellectual curiosity**:

- Displays a constant desire to learn.
- Asks questions and challenges in a constructive way statements not based on a factual evidence.

**Team spirit**:

- Ability for teamwork.
- Displays a sense of respect for colleagues.
- Shares information, asks for and provides help.

**English**:

- Is able to understand and communicate efficiently in English.

**Technical competencies**:
**Finance / Accounting knowledge**:

- Good understanding of financial information (P&L, B/S & CF statements).
- Capacity to deliver conclusive comments on a company financial situation.

**Products knowledge**:

- Ability to understand the characteristics of each banking product and the related risks.

**Knowledge of internal policies**:

- Understanding of the Bank processes and policies.
- Keep him/herself permanently updated.

**Analytical skills**:

- Ability to analyze financial statements.
- Identification of risk areas.
- Synthetic thinking, goes right to the point and is able to highlight key points in a precise way.
- Is able to elaborate well-structured and concise presentations.

**Writing skills**:

- Ability to prepare a credit proposal in a clear and synthetic manner.

**Risk awareness**:

- Capacity to raise all critical issues.