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 24×7 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 Business line/Function:
The Coverage & Territories Credit Management (CTCM) Team is responsible for completing the credit analysis for MNCs (including due diligence when necessary).
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:
Team Lead – Credit Analyst
Date:
24-Jun-24
Department:
Coverage and Territories Credit Management (CTCM)
Location:
Mumbai
Business Line / Function:
CIB
Reports to:
(Direct)
Head of ISPL CTCM
Grade:
(if applicable)
(Functional)
Number of Direct Reports:
6 to 8
Directorship / Registration:
NA
Position Purpose
This role is responsible:
– for performing credit analysis of MNC clients and recommendation for corporate advances with a view to minimize credit losses and promote business growth
– for the management of credit analysts
Responsibilities
To be referred to the Credit Analyst Charter and Mission Statement.
Direct Responsibilities
As a Credit Analyst:
· Preparation of credit analysis, including recommendation to the credit committee, with a view to minimize credit losses and promote business development.
o Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks.
o Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analyst’s judgment.
o Ensure that annual review / transactions deadlines are met.
o Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files.
o Communicate reliably and professionally with both internal and external clients.
o Liaison with different métiers and various BNP Paribas networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed and to minimize overdue files in collaboration with Relationship Managers (coordination role)
o Monitor clients’ credit evolution and immediately 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.
As a Team Lead:
· Manage a credit analyst team.
o Time/tasks/portfolio allocation: properly allocate team capacity and make sure the Credit Analysts (CA) are properly allocated each time and prioritized (organization of admin. tasks, screening of ad hoc requests addressed to CAs, …).
o Make sure the CAs are properly trained according to each one’s needs and follow up the CA’s learning curve.
o Assist the Head of ISPL CTCM in coaching each CA according to their profile and experience.
o Assist in the preparation of CA’s appraisals, possibly with feed-back from other stakeholders (RM, GRM…).
· Assure the overall quality of the team’s output.
o Review of Credit Proposals (according to the seniority of the analyst/the RM and the complexity of the request): make sure all key issues are well analyzed in the CP.
o Feedback to analysts
o Review of data collection and reliability (portfolio review…).
o Ensure proper use of tools and policies.
When necessary, directly in charge of a portfolio.
· Guarantee the objectivity and credibility of the Credit Proposal and guarantee the Credit Analyst independence.
o Having a thorough knowledge of the portfolio.
o Making sure all key risks and facts relevant to the credit decision are analyzed and presented objectively in the Credit Proposal.
o Creating bridges between stakeholders, ensuring a healthy working relationship with all of them (RMs, DHs, SCOs).
o Arbitrating in case of diverging opinions between RM and Analyst.
Contributing Responsibilities
As a Credit Analyst:
o Presentation of credit proposals to local credit committees.
o Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.
o Participation in discussions and on potential deals.
o Keep updated on credit policies / methodologies
o contribution to relevant credit projects (tools, process, methodologies… including participation to tests).
o To contribute to any other portfolio or credit administrative and statistical works as require such as sector analysis, RDPC (Risk & Development Policy Committees) and watch list / doubtful processes.
o Supporting team members to maximize the efficiency and effectiveness of the team.
o Assist the Head and team Lead of CTCM on ad hoc basis as required.
o Provide back-up on tasks performed by CTCM team when necessary.
o Contribute to the Permanent Control framework.
As a Team Lead:
- Portfolio oversight and risk anticipation
- When necessary, support on complex transactions and participation in Credit Committees
- Regular communication with the main stakeholders to improve credit process
- Contribute to the Permanent Control framework
Compliance
o Being aware of the regulatory environment.
o Ensure compliance with regulatory mechanisms and compliance of credit process with the same.
o Support in responding on credit-related matters to the regulators / internal auditors.
Technical & Behavioral Competencies
Technical:
· Ability to analyze financial statements.
· Credit Appraisal – Identification of risk areas
· Ability to correlate credit risk with transaction risk.
· Industry and product knowledge
· Risk evaluation and monitoring
· Compliance with Internal Policies, Procedures, Guidelines, etc.
· Writing skills
· Advanced knowledge of Microsoft Office
Behavioral:
· Analytical & Multi-Tasking skills
· Organizing and control of work.
· Detail orientation
· Adaptability,
· Ability to work under pressure.
· Good interpersonal, presentation & communication skills
· Ability to collaborate / team work
· Good judgement, independent and creative thinking, able to express views and ideas.
· Effective and interested in management & delegation
· Ability to inspire and develop the team
· Dynamic and effective in problem solving
· Forward thinking with vision
Specific Qualifications (if required):
People management capability
Credit appraisal
Skills Referential
Behavioural Skills: (Please select up to 4 skills)
Organizational skills
Ability to collaborate / Teamwork
Adaptability
Ability to deliver / Results driven
Transversal Skills: (Please select up to 5 skills)
Analytical Ability
Ability to manage a project
Ability to develop others & improve their skills
Ability to manage / facilitate a meeting, seminar, committee, training…
Ability to develop and adapt a process
Education Level:
Bachelor Degree or equivalent
Experience Level
At least 10 years
Other/Specific Qualifications (if required)
Minimum 2 years of leading a team
Knowledge of Asian Languages (preferred, not mandatory)