COMPETENCIES (TECHNICAL / BEHAVIORAL)

Technical
Analytical skills
Risk management
Accuracy
Ability to summarize
Ability to learn
Behavioral
Teamwork
Communication skills
Results-driven
Adaptability
Integrity

POSITION PURPOSE

5-10 years of prior experience in Corporate Credit required.
The credit analyst position in Coverage & Territories Credit Management supports Relationship Managers to analyse and monitor the credit risk of a portfolio of corporate clients, and write credit proposals or memos to recommend approval of credit facilities for these clients.

KEY RESPONSIBILITIES

Collaborate with Relationship Managers and Product Partners to:
Gather appropriate client information to be able to present and mitigate risks.
Deliver a complete, synthetic and coherent up-to-date counterparty and credit risk analysis, based on facts and compliant with the Bank’s guidelines.
Complete Credit Proposals enabling the Credit Committee to make an informed decision.
Ensure timeliness of credit proposal submission, and data inputs across the Bank’s systems are accurate,
Support the Relationship Manager / Front Officer in credit process-related matters within own scope (plan CCs ahead, handling of CRF, Mycreditpoint,…).
Portfolio monitoring (follow-up of CC’s conditions, financial covenants, risks alert, core data checks).
Keep updated with credit methodologies and policies.
Share information and develop industry intelligence.

CONTRIBUTING RESPONSIBILITIES

Presentation of Credit Proposals to local and (when applicable) regional Credit Committees.
Meet clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.
Participation in discussions on potential deals.
Participation in projects linked to improving credit process efficiency.
To contribute to any other portfolio or credit administrative and statistical works as required by management from time to time.
Contribute to the Permanent Control framework.