BNP Paribas ISPL - Credit Analysis Role

BNP Paribas India Solutions - Credit Analysis - Malad East

About BNP Paribas Group : 

BNP Paribas Group is a leading European bank with a strong global footprint across 72 markets and more than 202,000 employees. The Group provides corporates, institutional and private investors with product and service solutions tailored to their specific needs. It offers a wide range of financial services covering corporate & institutional banking, wealth management, asset management, insurance, as well as retail banking and consumer financing through strategic partnerships.

About BNP Paribas India Solutions : 

Established in 2005, BNP Paribas India Solutions is a wholly owned subsidiary of BNP Paribas Group, a leading bank in Europe with an international reach. With delivery centers located in Mumbai and Chennai, we are a 24x7 global delivery center. We partner various business lines of BNP Paribas such as Corporate and Institutional Banking, Wealth Management, Retail Banking through three verticals - Information Technology, Operations and Finance Shared Services.

Department overview: 

- RISK Institutional & BP2S is a domain of the RISK function in charge of covering all Institutional credit risk profile and related credit approval processes.

- In this domain the Credit Team is responsible for completing the credit analysis for financial institutions and BP2S clients (including due diligence when necessary).

- In particular, the Credit Team ensures that credit analysis and recommendations are provided in due time for Banks, Insurances, Sovereign, Brokers, other non-banks financial institutions, pensions funds, funds, hedge funds, regulated funds, funds of hedge funds, agency arrangements and asset managers.

- 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.

- 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 Financial Institutions Coverage for the clients covered by the financial institution credit process, and is also in permanent interaction with other business lines (Global Markets, BNP Paribas Securities Services, - ) for uncovered clients.

Job Description : 

Mission : 

- The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions to facilitate informed credit decisions.

Main responsibilities : 

- Develop a good understanding of the groups under his/her responsibility by investigating available sources of credit and financial information.

- Monitor permanently the portfolio under his/her responsibility to detect any credit issue requiring a specific review.

- Prepare annual, interim and ad hoc reviews. Produce in due time for Credit Committee a factual summary of client's credit worthiness (credit proposal), compliant with the Bank's guidelines, procedures and policies. The credit proposal includes a recommendation on ratings, limits and legal credit terms.

- Contribute to the formalisation of the credit decisions in the credit workflow tool.

- Contribute to the quality of process : use adequately the credit process- flow and workflow system, maintain critical client data, interact when needed with the various stakeholders of the credit process

- Perform portfolio reviews and Net Asset Value (for hedge funds) updates when required.

- Keep abreast of the changing methodologies and credit policies.

Education : 

- Master's Degree/MSc/Master 2 from Business School or University in Banking, Finance, Economics, Risk Management, Financial Markets or other relevant areas

Experience : 

- 2-6 years experience in a similar function

Languages :

- English (fluent)

- Additional Asian language would be welcomed

Skills: 

- 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

- Stretch to meet tight deadlines when required