Job Description

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\xe2\x80\x99s 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\xe2\x80\x99s 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\xe2\x80\x99s 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 stabilityCommitment to Diversity and InclusionAt 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 AnalystDate:2024Department:FIC ICAT APACLocation:MumbaiBusiness Line / Function:FIC ICAT APACReports to:(Direct)Team ManagerGrade:(if applicable)NA(Functional)Number of Direct Reports:Directorship / Registration:NAPosition PurposeThe 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 \xe2\x80\x9cbinomes\xe2\x80\x9d for the clients covered by the financial institution credit process and is also in permanent interaction with other business lines for uncovered clientsResponsibilitiesMission\xc2\xb7 The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions to facilitate informed credit decisions.\xc2\xb7 Develop in-depth understanding of the groups under the responsibility and develop market intelligence by investigating all available sources of credit and financial information.\xc2\xb7 Monitor permanently the portfolio under their responsibility to detect any credit issue requiring a specific review.\xc2\xb7 Conduct Annual and interim reviews. Produce in due time and present in Credit Committee a factual summary of client\xe2\x80\x99s credit worthiness (credit proposal), compliant with the Bank\xe2\x80\x99s 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.\xc2\xb7 Develop a good knowledge of the banking environment: capital market products, legal documentations, accounting and regulatory environments.\xc2\xb7 Perform portfolio reviews when required.\xc2\xb7 Keep abreast of the changing methodologies and credit policiesInteractions with the (clients under coverage)\xc2\xb7 Interacts in full transparency with the clients under coverage.\xc2\xb7 Attend, when necessary, discussions forum under the leadership of the clients under coverage.Guarantee\xc2\xb7 Guarantee rigorous and synthetic credit risk analysis and recommendation (Annual review, ad hoc, credit notes, comparative analysis)\xc2\xb7 Guarantee the application of Bank\xe2\x80\x99s procedures and policies and the consistency of Bank\xe2\x80\x99s ratingsContribute\xc2\xb7 Contribute to the formalisation of the credit decisions in the credit workflow tool\xc2\xb7 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\xc2\xb7 Contribute to the Bank\xe2\x80\x99s reactivity vis-\xc3\xa0-vis clients\xe2\x80\x99 expectations by prioritizing urgent requests under their responsibility with manager\xc2\xb7 Contribute to the quality of process : use adequately the credit process\xe2\x80\x99 flow and workflow system, maintain critical client data, interact efficiently ahead of credit committee with the various stakeholders of the credit process\xc2\xb7 Contribute to the development of policies, reports and risk tools, and to the Credit Process optimizationInteractions with Business Lines (uncovered clients)\xc2\xb7 Discuss the requests of Credit limits with the Business Lines\xc2\xb7 Provide credit analysis and recommendation in the frame of AR or ad hoc Credit Committee on clients followed by Business Lines\xc2\xb7 Work with Business Lines to mitigate risk related to the counterparties\xc2\xb7 Ask for Due diligence \xe2\x80\x98s meeting or credit reviewTechnical & Behavioral Competencies\xc2\xb7 Strong and proven analytical skills\xc2\xb7 Adaptability and proactivity, multitasking\xc2\xb7 Strong presentation and communication skills (verbal and written)\xc2\xb7 Advanced knowledge of Microsoft Office (Word, Excel, PowerPoint)\xc2\xb7 Solid knowledge and understanding of banking and financial markets\xc2\xb7 Understanding of Corporate Banking and Capital Markets products\xc2\xb7 Self-driven and organized\xc2\xb7 Rigorous and reliableSpecific Qualifications (if required)\xc2\xb7 Master\xe2\x80\x99s Degree/MSc/Master 2 from Business School or University in Banking, Finance, Economics, Risk Management, Financial Markets or other relevant areas\xc2\xb7 3 years experience in a similar functionLanguages\xc2\xb7 English (fluent)\xc2\xb7 Additional Asian language would be welcomedSkills ReferentialBehavioural Skills: (Please select up to 4 skills)AdaptabilityCommunication skills - oral & writtenClient focusedAttention to detail / rigorTransversal Skills: (Please select up to 5 skills)Analytical AbilityAbility to develop and adapt a processChoose an item.Choose an item.Choose an item.Education Level:Master Degree or equivalentExperience LevelAt least 7 yearsOther/Specific Qualifications (if required)

BNP Paribas