Wealth Management Credit Analyst

**About the job**
- Within Investment and protection Services (IPS), the Wealth Management Credit Analysis and Lending Team performs credit analyses of all Wealth Management clients
- In this scope, credit analysts are responsible to perform credit analyses (including due diligence when necessary) and recommendations to Credit Committees, Transaction Approval Committees when the credit opinion on a specific counterparty is required
- Credit Analysis and Lending Team guarantees the selection and the follow-up of counterparties considered Doubtful, are on the Watch List or sensitive list, accurately evaluates the level of provisioning, guarantees the quality of credit files and portfolios (notably by complying with regulatory framework, including credit policies, rating policies and other Group guidelines), maintains a network of Industry contacts and performs on site due diligence, develops local market intelligence by performing on-the-desk research (financial statement analysis, monitoring of published research), while guaranteeing the availability of local market information and views on risk issues are communicated swiftly and effectively
- Credit analysts are a main partner for the RISK Credit Officers and Relationship Managers for the clients falling under the Wealth Management credit process and is also in constant interaction with other business lines

**Your Main Activities Are**
- The mission is to ensure the daily support of the activity, and more precisely- Analyze and prepare the files for the clients, notably the annual reviews
- Participate to credit committees
- Manage a portfolio of credit files
- Assist and advise the WM Relationship Managers in their credit-related issues and in finding financing solutions
- Contribute to the risk monitoring and regularization of credit irregulars
- Ensure the necessary follow-up with the various stakeholders
- Engage to various one-off projects and transversal missions within the Credit Department

**Profile and Skills to Success**
- Bachelor degree in Economics, Finance or Banking
- At least 1 year of Experience
- Proficiency in Microsoft Office (Word, Excel, PowerPoint)
- Fluent in English
- Strong presentation and communication skills (verbal and written)
- Strong analytical skills
- Autonomous, proactive, rigorous, dynamic
- Team spirit, good personal relationship skills

LI-Hybrid

**Why joining BNP Paribas?**
- ** Leading banking institution**

BNP Paribas is the European Union’s leading bank, and key player in international banking. It operates in 63 countries and has nearly 183.000 employees, including more than 146.000 in Europe.
- ** Our presence in Portugal**

In Portugal since 1985, BNP Paribas today has more than 8.700 employees, distributed across the Group’s 10 business entities established in the country. Its presence also extends to 11 excellence centres providing value-added services to various countries where the BNP Paribas Group also operates.
- ** International reach**

Thanks to its international presence and regular and close collaboration among its different entities, BNP Paribas has the resources to support all clients with financing, investment, savings and protection solutions that help make their projects a success. BNP Paribas holds key positions in its three core operating divisions:

- **Retail Banking**, a division that brings together all of the Group’s retail activities and specialised business lines;
- **Investment & Protection Services**that include specialised businesses offering a wide range of savings, investment and protection services;
- **Corporate & Institutional Banking**division that offers tailored financial solutions for corporate and institutional clients.
- ** Diversity and Inclusion commitment**
- ** Commitment towards work/life balance**

At BNP Paribas we care about our employees wellbeing and promote a culture of good integration between work and rest. We believe our employees have rich personal lives outside of work, being fundamental to be disconnected from work to recharge both physically and mentally. Only through this balance we may all be at our best while working.
- ** Remote Working Conditions**

At BNP Paribas, we embrace a Smart Working framework based on trust, autonomy and collaboration. Within this framework, eligible employees can benefit from flexible remote working modalities adapted to our hybrid working environment. To guarantee a comfortable and efficient working set-up, eligible employees are provided with both the office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional equipment at reduced prices.
- In case you are selected for this role, further documentation will be requested to support your hiring process.