Credit Risk Officer
2 meses atrás
Company Description
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 16.000 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**:
Natixis NY Branch is currently hiring an analyst level Credit Risk Officer who will primarily focus on Corporate and Structured Finance in the Americas. He/she/they will be responsible for preparing credit risk opinions and market & financial analyses of clients in the Americas with respect to the transactions proposed by the front office groups in the bank and/or Annual Reviews for existing transactions.
Responsibilities include the following:
- Prepare credit risk opinions, market & financial analyses of clients in the Americas with respect to the transactions proposed by the front office groups in the bank (business lines: Corporate and Structured Finance transactions in the Americas: Leveraged Finance, Infrastructure Finance, Corporate Finance/Coverage, Aviation, Oil and Gas midstream and downstream, commodity traders).
- Acquire or strengthen market knowledge of the different industries and transaction structures in which the bank focuses on.
- Monitor a selected subset of the portfolio by writing detailed credit risk opinions (credit risk opinions in connection with Annual Reviews, Quarterly reviews and Watchlist Fiches, Amendments, waivers and One-Off type requests) applicable to the selected subset of the portfolio being followed.
- Contribute to the enhancement of the credit risk processes and templates being used by the bank.
- Report any credit events that may result in a breach of covenant or credit risk deterioration of the underlying borrower and/or industry.
- Assist in writing selected portfolio updates on topics of interest to general management of the bank.
- Follow up credit risk processes in line with Lending Policy requirements until and after credit approval is obtained.
Credit Risk Process involving new proposed exposures:
- Identify and evaluate credit risks related to a new proposed client for one or more of the following sectors: Corporate and Structured Finance (Leveraged Finance, Infrastructure & Project Finance, Corporate Finance/Coverage, Aviation, Oil and Gas midstream and downstream, commodity traders) as well as Real Estate & Hospitality, and/or Financial Institutions.
- Write credit risk opinions related to new transactions, annual/quarterly reviews, waiver and amendment requests according to lending policy requirements.
- Perform industry studies and run/request financial model sensitivities when applicable to support credit risk analysis and associated credit risk recommendation to senior management.
- Work closely with various other groups of the bank such as Front Office Origination, DRAS, AMP (Portfolio Management), Loan Review, and Credit Surveillance & Analytics in particular.
- Follow up credit risk processes in line with Lending Policy requirements until and after credit approval is obtained.
Portfolio Monitoring of existing exposures:
- Monitor credit performance of a portfolio of existing accounts.
- Write credit risk opinions in connection with Annual Reviews, Quarterly reviews and Watchlist Fiches, Amendments, waivers and One-Off type requests applicable to the selected subset of the portfolio being followed.
- Follow credit events such as covenant breaches and process credit alerts that are being generated by the systems.
- Maintain valid and updated internal and regulatory ratings as well as watchlist levels.
**Qualifications**:
- Master’s degree in a relevant area
- Knowledge of the banking system and financial products / financial instruments such as medium to long-term loans, trade finance, structured finance, and capital markets
- Familiarity or working experience with the various sectors or industries where the bank focuses (Energy, Project Finance, Leveraged Finance, Aviation, Real Estate) would be helpful but not necessary
- In-depth knowledge and understanding of credit risk analysis and cash flow modeling
- 1 to 3 years’ experience in a credit risk or front office department in a bank, insurance or large company
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