Credit Analyst

Job Title: Manager Credit Analyst

Department: Coverage and Territories Credit Management (CTCM)

Location: Mumbai

Business Line / Function: CIB

Reports to: Team Lead Credit Analysts

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.

Responsibilities

To be referred to the Credit Analyst Charter and Mission Statement.

Direct Responsibilities

• 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.
• Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analysts judgment.
• Ensure that annual review / transactions deadlines are met.
• Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files.
• Communicate reliably and professionally with both internal and external clients.
• Liaison with different mtiers 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)
• 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.

Contributing Responsibilities

• Presentation of credit proposals to local credit committees.
• Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.
• Participation in discussions and on potential deals.
• Keep updated on credit policies / methodologies
• contribution to relevant credit projects (tools, process, methodologies including participation to tests).
• 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.
• Supporting team members to maximize the efficiency and effectiveness of the team.
• Assist the Head and team Lead of CTCM on ad hoc basis as required.
• Provide back-up on tasks performed by CTCM team when necessary.
• Contribute to the Permanent Control framework.

Compliance

• Being aware of the regulatory environment.
• Ensure compliance with regulatory mechanisms and compliance of credit process with the same.
• Support in responding on credit-related matters from 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.

Education Level: Bachelor Degree or equivalent

Experience Level: At least 5+ years