Credit Risk Management

2 meses atrás


Lisboa, Lisboa, Portugal Adecco Recruitment Tempo inteiro

A Adecco Recruitment procura Responsável para a área de Portfólio de Empresas e PMES (Credit Risk Management - Gestão de Riscos) (M/F) para integração direta num Grupo Bancário Global.

Principais Responsabilidades

  • 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, propondoos 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;
  • 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;
  • 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;
  • 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;
  • 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;
  • Elaborar e divulgar relatórios periódicos da evolução da carteira ou produtos;
  • Fazer o seguimento da rentabilidade das carteiras e da nova produção de crédito;
  • Fazer o seguimento dos riscos climáticos e ambientais, impacto atual e prospetivo, através de métricas de gestão relacionadas.
Requisitos

  • Formação superior preferencial em Gestão, Economia e/ou Engenharia;
  • Capacidade de explicar e apresentar informação/analises de forma estruturada, clara, confiante e concisa;
  • Capacidade de construir relações fortes internamente e influenciar outras pessoas de forma colaborativa e positiva;
  • Elevada capacidade analítica;
  • Experiencia em interagir com equipas de auditoria interna e externa e com o regulador (BdP e BCE);
  • Domínio de Excel, PowerPoint e Word;
  • Inglês (Fluente), Espanhol (Fluente).
Oferta

  • Vencimento base atrativo 10,97 SA (em cartão) ACT;
  • 1 dia de teletrabalho por semana;
  • Contrato sem termo acordado diretamente com a empresa cliente.
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