Portfolio Manager

2 semanas atrás


Lisboa, Lisboa, Portugal Michael Page Tempo inteiro
Sobre o nosso cliente O nosso cliente é uma instituição bancária de referência.
Descrição Elaborar em conjunto com das áreas comerciais, de produtos, capital, financeira, riscos, os Planos Estratégicos Comerciais (PEC) das carteiras de crédito e realizar o seu seguimento periódico, com base no apetite de risco definido pela política de risco do Banco, propondo-os para aprovação pelos Órgãos Competentes;

Definir políticas de crédito para cada carteira com base na política de risco do Banco, nomeadamente, políticas de concessão e gestão de crédito e recuperações;

Participar na planificação da carteira para assegurar que os objetivos de negócio elaborados pelas áreas comerciais (em termos de preços, margens, captação e vinculação, qualidade de crédito, cobrança e recuperações) estão de acordo com as políticas de risco estabelecidas pelo Banco;

Analisar e acompanhar de forma independente o comportamento, a qualidade creditícia das carteiras de crédito e os processos de admissão de crédito, propondo quando necessárias ações visando as alterações adequadas à prossecução das políticas de risco locais e corporativas;

Promover o desenvolvimento e implementação de sistemas de gestão antecipativa de riscos;

Participar na definição do orçamento de non performing exposures (NPE), crédito vencido e provisões;

Elaborar e divulgar relatórios periódicos da evolução da carteira ou produtos;

Fazer o seguimento da rentabilidade das carteiras e da nova produção de crédito;

Responsável por propor, promover e monitorizar a implementação de novos produtos de reestruturação/ refinanciamento de dívidas, pela área de Collections & Recoveries, com vista ao saneamento de dívidas, diminuição do crédito vencido e NPE;

Fazer o seguimento dos riscos climáticos e ambientais, impacto atual e prospetivo, através de métricas de gestão relacionadas.
Perfil ideal Formação superior preferencial em Gestão, Economia e/ou Engenharia;

Capacidade de explicar e apresentar informação/analises de forma estruturada, clara, confiante e concisa;

Elevada capacidade analítica;

Capacidade de construir relações fortes internamente e influenciar outras pessoas de forma colaborativa e positiva;

Experiencia em interagir com equipas de auditoria interna e externa e com o regulador (BdP e BCE);

Domínio de excel, power point e word;

Inglês (Fluente), Espanhol (Fluente).
Vantagens Uma boa oportunidade para o seu crescimento e desenvolvimento profissional.

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