2 Credit Proposals Jobs

Key Responsibilities Prepare comprehensive country profiles that assess political, economic, and banking sectors, along with conducting thorough financial and credit analysis of major financial institutions Draft detailed credit proposals to assess the creditworthiness of financial institutions / companies, recommending appropriate exposure limits and strategies Think critically and analytically to identify key insights from data, market conditions, and trends, and weave these insights into well-structured, cohesive reports Ensure that all reports are well-written, clear, and provide a compelling narrative for the client Stay updated on market trends, political developments, and economic shifts in the regions relevant to your work Meet project timelines and quality of deliverables in a manner to ensure high client satisfaction” Conducting quality control check of the outgoing reports Engage client independently on calls and e-mails Demonstrate strength and experience in client / requester relationship building and management, information / knowledge needs assessment Should be able to work independently with minimal guidance and need to be equally good in multi-tasking Key Competencies 4-6 years of relevant experience in investment banking, credit risk analysis, or financial institutions research Strong understanding of the banking sector, credit analysis, and financial performance metrics Ability to assess financial institutions, analyze business models, and evaluate financial performance using key ratios Strong report writing skills with a demonstrated ability to create clear, concise, and insightful documents Excellent quantitative / analytical skills with the ability to think critically and read between the lines to derive insights Ability to work independently and as part of a team, managing multiple priorities effectively Strong communication skills, with the ability to interact with senior stakeholders both internally and externally Proficiency in financial modelling, valuation methodologies, pitchbooks and other investment banking products would be an added advantage Well versed with Microsoft Office - Word, Excel and Power Point Excellent working knowledge of databases such as Bloomberg, CapitalIQ, Thomson, FactSet, etc. Previous client handling exposure is a must Self-motivated and able to motivate others Effective negotiation skills Ability to work in high-pressure situations Excellent communication skills, both written and verbal Ability to make quick and informed decisions A degree in Finance, Economics, Business Administration, or a related field. Post-Graduation in Finance or equiv. qualification (CFA, MBA (finance), CA or equiv.)

Position Purpose This role is r esponsible 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 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 Analysts 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 mtiers and various BNPParibas 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. Contributing Responsibilities 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 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 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. Specific Qualifications (if required): Credit Appraisal Skills Referential Behavioural Skills(Please select up to 4 skills) Attention to detail / rigor Ability to collaborate / Teamwork Adaptability Ability to deliver / Results driven Transversal Skills: (Please select up to 5 skills)Analytical AbilityAbility to manage a projectAbility to develop others & improve their skillsAbility to develop and leverage networksAbility to manage / facilitate a meeting, seminar, committee, trainingEducation Level:Bachelor Degree or equivalentExperience LevelAt least 7 years