Position Purpose
Supervise and manage the Credit Analyst team as well as take own responsibility for a client portfolio.
Responsibilities
Managerial role:
Supervision and management of the Credit Analyst team
To ensure that credit proposals are completed in due time and in compliance with the quality standards of the Bank, implying the monitoring of the whole credit portfolio and managing the calendar to avoid past due reviews
To ensure that internal credit policies are applied and followed
To master and continuously improve the credit processes
To review the credit proposals prepared by the Credit Analysts when relevant
Supporting team members to maximize the efficiency and effectiveness of the team
Assessment of performances through the year and execution of the annual appraisals
To ensure that adequate trainings are followed by the team members to improve efficiency and quality of credit analysis
Coordination of the recruitments
Support of Management: portfolio oversight and risk anticipation
Participation in discussion of complex transactions and credit committees when necessary
Support to Coverage and Business lines: reactivity, capacity to mobilize resources to support Business lines
Regular communication with Business Lines, Coverage and APAC CTCM to improve the credit process
Direct contribution to BNP Paribas operational permanent control framework
Contributions:
Support of Management: portfolio oversight and risk anticipation
Participation in discussion of complex transactions and credit committees when necessary
Support to Coverage and Business lines: reactivity, capacity to mobilize resources to support Business lines
Regular communication with Business Lines, Coverage and APAC CTCM to improve the credit process
Credit Analyst Role:
Gather appropriate client information to be able to present and mitigate risks.
Deliver a complete, concise, coherent and up-to-date counterparty and credit risk analysis, including financial statement analysis and compliant with the Bank’s guidelines.
Presentation of Credit Proposals to Credit Committees.
Apply the bank’s credit methodologies and policies
Share information and develop industry intelligence.
Monitor clients’ credit evolution and take action on early warning signals
Data quality management to comply with the bank’s credit process system.
Contributions:
Presentation of credit proposals to local credit committees
To contribute to any other portfolio or credit administrative and statistical works as required such as sector analysis, RDPC and watchlist / doubtful processes
Participation in projects linked to improving credit process efficiency
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)
Participation in discussions and on potential deals
Other duties assigned by management from time to time
Permanent Control:
Direct contribution to BNP Paribas operational permanent control framework
Ensure that the work produced is comply with the operational permanent control, legal and regulatory framework and requirement
Technical & Behavioral Competencies
Good credit analytical skills (includes sound understanding of basic accounting and financial principles)
Good knowledge of credit process and bank’s credit guidelines
Good general knowledge of banking products and services
Good command of Korean and English as well as communication / presentation skills
Good managerial and interpersonal skills
Good judgement, independent and creative thinking, able to work independently, able to express views and ideas
Specific Qualifications (if required)
MBA or Business Degree
At least 7-10 years of experience in credit analysis in Corporate Bank, preferably international bank
Experience level : 7 - 10 years
About BNP PARIBAS
As the leading European Union bank, and one of the world’s largest financial institutions with an uninterrupted presence in the region since 1860, BNP Paribas offers a wide range of financial services for corporate, institutional and private investors spanning corporate and institutional banking, wealth management, asset management and insurance.
We passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued and encourage applicants of all backgrounds, including diversity of origin, age, gender, sexual orientation, gender identity, religion applicants who may be living with a disability. We have a number of internal employee networks in place to empower our staff to act and challenge the status quo.
• BNP Paribas PRIDE is highly active in favour of the LGBTQIA+ community
• BNP Paribas MixCity which fosters better representation of women at all levels of the organization
• Ability, the mutual aid network for employees with a disability or a disabling or chronic illness
• BNP Paribas CulturAll which celebrates diverse backgrounds
BNP is committed to financing a carbon-neutral economy by 2050. The Group is a founding member of the Net-Zero Banking Alliance and has set up its own Low Carbon Transition Group to support its clients through their energy transitions.
https://careers.apac.bnpparibas/
Apply: https://group.bnpparibas/en/careers/job-offer/branch-head-of-ctcm-korea-permanent
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