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Sr. Associate/Assistant Manager- Credit Analyst Financial Institutions/Funds

  • Job
    Full-time
    Mid & Senior Level
  • Data
    Banking & Finance
  • Mumbai

AI generated summary

  • You need strong analytical skills, adaptability, and 3+ years in a similar role. A Master’s in Finance or related field, fluency in English, and advanced Microsoft Office proficiency are essential.
  • You will analyze credit for Financial Institutions and funds, monitor portfolios, conduct reviews, present findings, interact with clients, and contribute to risk strategies and credit processes.

Requirements

  • Strong 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
  • 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
  • English (fluent)
  • Additional Asian language would be welcomed
  • Master Degree or equivalent
  • At least 7 years

Responsibilities

  • 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.
  • Interacts in full transparency with the clients under coverage.
  • Attend, when necessary, discussions forum under the leadership of the clients under coverage.
  • Guarantee 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 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.
  • 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 meetings or credit review.

FAQs

What are the primary responsibilities of a Credit Analyst in this role?

The primary responsibilities include completing credit analysis on a portfolio of Financial Institutions and funds, developing market intelligence, conducting annual and interim reviews, presenting credit proposals to the Credit Committee, monitoring the portfolio for credit issues, and ensuring compliance with bank policies and procedures.

What qualifications are required for this position?

A Master’s Degree/MSc/Master 2 from a Business School or University in Banking, Finance, Economics, Risk Management, Financial Markets, or other relevant areas is required, along with at least 3 years of experience in a similar function.

What kind of environment does BNP Paribas India Solutions provide?

BNP Paribas India Solutions operates a 24x7 global delivery center with a focus on innovation and providing best-in-class solutions across Corporate and Institutional Banking, Investment Solutions, and Retail Banking.

Is proficiency in any specific software required for this job?

Yes, advanced knowledge of Microsoft Office applications, particularly Word, Excel, and PowerPoint, is required.

What soft skills are necessary for this role?

Strong analytical skills, adaptability, proactive multitasking abilities, robust presentation and communication skills (both verbal and written), and attention to detail are necessary for this role.

Is multilingual ability preferred for this position?

Yes, fluency in English is required, and proficiency in an additional Asian language would be welcomed.

What are the career growth opportunities in this role?

Opportunities for career growth may include advancing to senior credit officer positions or other leadership roles within the credit risk and analysis domains or other business lines at BNP Paribas.

How does the Credit Analyst interact with clients?

The Credit Analyst interacts transparently with clients under coverage, attends discussions when necessary, and collaborates closely with Senior Credit Officers and other business lines regarding credit risk assessments.

How often are credit reviews conducted in this position?

Credit Analysts are responsible for conducting annual and interim reviews as well as ongoing monitoring of their portfolio for credit issues requiring specific review.

What is the organizational structure for Credit Analysts at BNP Paribas?

Credit Analysts report directly to the Team Manager and interact with various stakeholders, including Senior Credit Officers and other business lines involved in the credit process.

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Finance
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Employees
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Founded Year

Mission & Purpose

more than 190,000 employees, including more than 145,000 in Europe. BNP Paribas holds leading positions in its three major operating divisions: ⚆ Commercial, Personal Banking & Services for all the Group’s retail banking networks and several specialised businesses, including BNP Paribas Personal Finance and Arval; ⚆ Investment & Protection Services for savings, investment and protection solutions; ⚆ Corporate & Institutional Banking, which is focused on corporate and institutional clients. The Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realise their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, the Group has four domestic markets (Belgium, France, Italy and Luxembourg) and BNP Paribas Personal Finance is the European leader in consumer lending. BNP Paribas is rolling out its integrated retail-banking model in Mediterranean countries, in Turkey, in Eastern Europe and a large network in the western part of the United States. In its Corporate & Institutional Banking and Investment & Protection Services activities, BNP Paribas also enjoys top positions in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific.