Credit Officer

1 semana atrás


Porto, Porto, Portugal Natixis In Portugal Tempo inteiro

Natixis in Portugal is fully integrated in the global organization of Natixis, a French multinational financial services firm specialized in Asset & Wealth Management, Corporate & Investment Banking, Insurance and Payments.

A subsidiary of Groupe BPCE, Natixis counts nearly employees across 38 countries.

Based in Porto, Natixis Centre of Expertise mission is to transform traditional banking by developing innovative solutions for the bank's business, operations and work culture worldwide, as a key driver of the company's culture of agility and innovation.

Teams of IT and Banking Support Activities work in an integrated, inclusive and transversal way, supporting all the business lines and country platforms.

Natixis in Portugal is the best combination of a "start-up mindset" with a large, solid structure.

Its unique culture gives true meaning to a "beyond banking" personality:
to be a real entrepreneur, self-challenging, ever striving to excel and go that extra mile.

Job Description Team presentation and main goal: The Credit Officer, part of the Client Services unit, will be specifically in charge of supervising and coordinating the credit aspects of the onboarding / renewal requests on behalf of the Front Office ["FO"], with the objective to speed up the onboarding of our new accounts and maximize our profitability with new clients.

Main tasks and goals :

The Credit Officer will be the key point of contact for the Relationship Manager ["RM"], Sales and Clients from an onboarding and annual review perspective.

You will work closely with RMs and Products Sales to pro-actively drive onboarding for the client to ensure all requests are captured, prioritized, and resolved within agreed timeframes.

Taking ownership of onboarding problems and resolving onboarding issues.

Prioritization and coordination of new credit requests Ensure all credit requests are properly captured and prioritized, in alignment with business development needs; Control quality / business rationale of new FO demands (consistency with business strategy / trading capacity, understanding of client requirements etc...); Formalize detailed requests and business rationale for credit applications, including expected revenues, prepare business memos for managerial approval; Initiate credit workflow with the credit dossier's creation; Coordinate with Credit Risk Department throughout the process, represent Front Office to enable contradictory debates with Risk; Maintain detailed tracking of file status to ensure issues that need response are promptly escalated; Update the internal tools with new requests for prioritization and follow up purposes.

Coordination of annual credit reviews, credit exposure management Work on annual review process; Prepare the population due for review and add the population in the planification board at the beginning of each month; Conduct meetings with the Risk team to ensure an efficient workflow; Work with the Relationship Managers and Product Sales across platform to prepare for the annual renewal of client credit limits, especially Financial Institutions (for Example table limits extract, revenues etc.); Initiate credit workflow with the credit dossier's creation; Review and recommend changes, propose reallocations of limit between counterparties of a group when necessary.

Monitoring / Improvement of the onboarding chain Prepare performance reports and other various "ad hoc" reports; Make recommendations /suggestions to standardize procedures and processes and to introduce new technology or improve the existing one; Be a force of proposition to constantly improve client service quality and streamline our processes.

Qualifications Bachelor Degree in a relevant area (Management; Economics; Mathematics;...) Strong business knowledge, expertise in financial products and associated credit risks Fluent English (mandatory) and good level of French is a plus; Strong computer skills especially in Excel, PowerPoint and PowerBI; Good understanding of standard legal documentations for OTC derivatives is a plus, especially master agreements (ISDA/CSA, MRA, GMRA, MSLA etc.) Strong communication (written and spoken) and presentation skills Ability to work in a fast-paced environment Organized, ability to manage multiple tasks/projects and deadlines simultaneously We will only consider English Cv's.


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