Sr. Associate/Assistant Manager- Credit Analyst Financial Institutions/Funds

About BNP Paribas Group:

About BNP Paribas India Solutions:

Established in 2005, BNP Paribas India Solutions is a wholly owned subsidiary of BNP Paribas SA, European Union’s leading bank with an international reach. With delivery centers located in Bengaluru, Chennai and Mumbai, we are a 24x7 global delivery center. India Solutions services three business lines: Corporate and Institutional Banking, Investment Solutions and Retail Banking for BNP Paribas across the Group. Driving innovation and growth, we are harnessing the potential of over 10000 employees, to provide support and develop best-in-class solutions.

About BNP Paribas Group:

BNP Paribas is the European Union’s leading bank and key player in international banking. It operates in 65 countries and has nearly 185,000 employees, including more than 145,000 in Europe. The Group has key positions in its three main fields of activity: Commercial, Personal Banking & Services for the Group’s commercial & personal banking and several specialised businesses including BNP Paribas Personal Finance and Arval; Investment & Protection Services for savings, investment, and protection solutions; and Corporate & Institutional Banking, focused on corporate and institutional clients. Based on its strong diversified and integrated model, the Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realize their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy, and Luxembourg. The Group is rolling out its integrated commercial & personal banking model across several Mediterranean countries, Turkey, and Eastern Europe. As a key player in international banking, the Group has leading platforms and business lines in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific. BNP Paribas has implemented a Corporate Social Responsibility approach in all its activities, enabling it to contribute to the construction of a sustainable future, while ensuring the Group's performance and stability

Commitment to Diversity and Inclusion

At BNP Paribas, we passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued, respected and can bring their authentic selves to work. We prohibit Discrimination and Harassment of any kind and our policies promote equal employment opportunity for all employees and applicants, irrespective of, but not limited to their gender, gender identity, sex, sexual orientation, ethnicity, race, colour, national origin, age, religion, social status, mental or physical disabilities, veteran status etc. As a global Bank, we truly believe that inclusion and diversity of our teams is key to our success in serving our clients and the communities we operate in.

About Businessline/Function :

Institutional Credit Analyst Team is a domain in the first line of defense in charge of covering all Institutional credit risk profile and related credit approval processes.

In this domain the Credit Team is responsible for completing the credit analysis for financial institutions and funds (including due diligence when necessary).

In particular, the Credit Team ensures that credit analysis and recommendations are provided in due time for Banks, Insurances, Sovereign, Brokers, other non-banks financial institutions, pensions funds, funds, hedge funds, regulated funds, funds of hedge funds, agency arrangements and asset managers. 

The Credit Team performs credit analysis and provides credit recommendations on their respective delegation perimeter to Credit Committees, Transaction Approval Committees when the credit opinion on a specific counterparty is required, other RISK entities, Business Units or functions in response to general enquiries, Portfolio review committees.

Job Title:

Credit Analyst

Date:

2024

Department:

FIC ICAT APAC

Location:

Mumbai

Business Line / Function:

FIC ICAT APAC

Reports to:

(Direct)

Team Manager

Grade:

(if applicable)

NA

(Functional)

Number of Direct Reports:

Directorship / Registration:

NA

Position Purpose

The Credit Team guarantees the selection and the follow up of counterparties considered Doubtful, under Watch List or sensitive list, evaluates the accurate level of provisioning, guarantees the quality of credit files and portfolios (notably by complying with regulatory framework e.g. Basel III requirements and including credit policies, rating policies and other Group guidelines), develops local market intelligence by performing desk research (financial statement analysis, monitoring of published research), maintains a network of Industry contacts and performs on site due diligence, guarantees that available local market information and views on risk issues are communicated swiftly and effectively.

The Credit Team is a main partner for the Senior Credit Officers and their “binomes” for the clients covered by the financial institution credit process and is also in permanent interaction with other business lines for uncovered clients

Responsibilities

Mission

·The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions to facilitate informed credit decisions.

·Develop in-depth understanding of the groups under the responsibility and develop market intelligence by investigating all available sources of credit and financial information.

·Monitor permanently the portfolio under their responsibility to detect any credit issue requiring a specific review.

·Conduct Annual and interim reviews. Produce in due time and present in Credit Committee a factual summary of client’s credit worthiness (credit proposal), compliant with the Bank’s guidelines. The credit proposal includes a recommendation on the ratings, the limits, the legal credit terms and the risk strategy vis-a-vis the client.

·Develop a good knowledge of the banking environment: capital market products, legal documentations, accounting and regulatory environments.

·Perform portfolio reviews when required.

·Keep abreast of the changing methodologies and credit policies  

Interactions with the (clients under coverage) 

·Interacts in full transparency with the clients under coverage.

·Attend, when necessary, discussions forum under the leadership of the clients under coverage.

Guarantee

·Guarantee rigorous and synthetic credit risk analysis and recommendation (Annual review, ad hoc, credit notes, comparative analysis)

·Guarantee the application of Bank’s procedures and policies and the consistency of Bank’s ratings

Contribute

·Contribute to the formalisation of the credit decisions in the credit workflow tool

·Contribute to the risk strategy definition by providing recommendation on the risk profile of the counterparty and on specific transactions in relationship with the appropriate stakeholders

·Contribute to the Bank’s reactivity vis-à-vis clients’ expectations by prioritizing urgent requests under their responsibility with manager

·Contribute to the quality of process : use adequately the credit process’ flow and workflow system,  maintain critical client data, interact efficiently ahead of credit committee with the various stakeholders of the credit process

·Contribute to the development of policies, reports and risk tools, and to the Credit Process optimization

Interactions with Business Lines (uncovered clients)

·Discuss the requests of Credit limits with the Business Lines

·Provide credit analysis and recommendation in the frame of AR or ad hoc Credit Committee on clients followed by Business Lines

·Work with Business Lines to mitigate risk related to the counterparties

·Ask for Due diligence ‘s meeting or credit review

Technical & Behavioral Competencies

·Strong and proven analytical skills

·Adaptability and proactivity, multitasking

·Strong presentation and communication skills (verbal and written)

·Advanced knowledge of Microsoft Office (Word, Excel, PowerPoint)

·Solid knowledge and understanding of banking and financial markets

·Understanding of Corporate Banking and Capital Markets products

·Self-driven and organized

·Rigorous and reliable

Specific Qualifications (if required)

·              Master’s Degree/MSc/Master 2 from Business School or University in Banking, Finance, Economics, Risk Management, Financial Markets or other relevant areas

·3 years experience in a similar function

Languages

·English (fluent) 

·Additional Asian language would be welcomed

Skills Referential

Behavioural Skills : (Please select up to 4 skills)

Adaptability

Communication skills - oral & written

Client focused

Attention to detail / rigor

Transversal Skills: (Please select up to 5 skills)

Analytical Ability

Ability to develop and adapt a process

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Education Level:

Master Degree or equivalent

Experience Level

At least 7 years

Other/Specific Qualifications (if required)