Job Title

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 clientsResponsibilities Mission • The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions and funds 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 coverageGuarantee 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 reviewStrong 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