Credit Risk Analyst - Financial Institutions

Company Description

Natixis in Portugal is a Centre of Expertise whose mission is to transform traditional banking by developing innovative solutions for the business, operations and work culture of Groupe BPCE worldwide. Natixis in Portugal is part of the Global Financial Services division, where it applies technology for the development of financial expertise in its two global business lines – Corporate & Investment Banking and Asset & Wealth Management – and, transversally, for the entities of Groupe BPCE. The Centre of Expertise, based in Porto, currently has more than 2,400 employees from over 30 nationalities, organised in three main departments: Information Technology, Banking Support Activities and Compliance. These teams work in an integrated, inclusive and transversal way, supporting and creating value for all the business lines and platforms of the group. The project in Porto is one of the biggest investments in Human Resources ever made by Groupe BPCE worldwide. A disruptive mindset and a culture of proximity and agility identify Natixis in Portugal Team and reflect the company's mission to transform traditional banking at a global scale: a perfect match in the Portuguese dynamics and entrepreneurial ecosystem. In 2024, Top Employers Institute has awarded Natixis in Portugal the Top Employer Portugal accreditation for the second time. This certification recognizes excellence in people practices, following the example of our head office, in France, who was certified Top Employer France for the eight year in a row.

Job Description

The Counterparty Credit Risk Analyst will be part of the Financial Institutions Credit Risk team, which covers banks, insurance companies, broker/ dealers for EMEA. The FI Credit Risk team is considered the second line of defense at Natixis, and accordingly, the focus will be on the counterparty assessment of the Credit Requests the recommendation of an internal rating (based on the appropriate internal model and LGD) and the formulation of a written Risk Opinion, which may be presented to Credit Committee. The Credit Analyst should:

• Be familiar with due diligence and analysis requirements for counterparties and capital markets products.
• Be able to identify and concisely describe the potential risk(s) and positive attributes of each request, with the ultimate goal being to support the business while avoiding undue risks and credit loss.
• Be proficient in MS Office products including extensive knowledge of MS Excel.
• Have excellent communication (written, oral and listening) and interpersonal skills. Skillful written communication is essential: the ability to convey thoughts clearly and succinctly and to communicate pertinent complex information in a clear and organized manner.
• Have strong analytical and critical thinking abilities
• Be self-motivated with the ability to work independently while also understanding when to involve other team members as needed and to work effectively in a team environment.
• High degree of integrity and strong work ethic. Essential duties and responsibilities: The Credit Analyst will be primarily responsible for providing a counterparty assessment on banks, broker/ dealers, Insurance companies; the role will include, but will not be limited to:
• In line with Natixis policies and procedures, prepare written risk opinions and analysis; articulate a convincing case in support of the risk opinion (and rating); and challenge the First Line of Defense analysis/ request when appropriate.
• Recommend Credit terms and conditions within Trading Documentation (e.g. ISDA/ CSA, GMRA, GMSLA).
• Stay connected with industry trends and macro issues which may impact the portfolio; be able to recommend changes or actions impacting specific clients or groups of clients.
• Have a good understanding of the regulatory environment that each of our counterparts operates in.

Qualifications

• Bachelor’s Degree from an accredited university/college required in Finance, Accounting, Economics or other business-related discipline. Graduate degree preferred, but not essential.
• Must be fluent (written and oral) in English.
• Fluency in French is beneficial, but not essential.
• Minimum 3-5 years of previous credit analysis experience but junior can be considered.
• Previous experience in a financial institution a plus. We will only consider English Cv's. Additional Information At Natixis, we are committed to fostering a working environment where each and every one of our people is treated with dignity and respect and where every voice is heard. Our differences make us collectively stronger and are a source of fulfilment, innovation and performance. In the framework of its Diversity, Equity & Inclusion policy, Natixis in Portugal has implemented a Blind CV Screening process, with the purpose of reducing hiring bias. A blind CV excludes any personal details which refer to the applicant’s gender, age or ethnicity. When applying for our positions, please submit a blind CV, that is, with no picture, name, gender, age, nationality, ethnicity and address. Your personal statement, work experience, courses and certifications, education, skills and contact information is what matters to us. #MuchMoreThanJustAJob Early morning. Campo 24 de Agosto. In 4 minutes, you are clocking in at the office. Start your day having breakfast with the Team and grab fresh fruit on the way to your seat, in one of Porto’s most typical neighborhoods. This Purple Day is going to be a busy one: daily meeting ensuring all team members are on the same page regarding work status, priorities and blockers, language class and, just after, a Talent Management meeting with your manager, discussing your career path. Lunch break. Today, your Team is onboarding newcomers, but also welcoming French colleagues: the perfect excuse to walk downtown and bond over a francesinha. When returning, inhale nature and peace of mind in Natixis Urban Garden (look at the crops; ready to harvest!). Back inside. Brainstorming session on a new, exciting project in our disruptive and immersive Manaus Village. The afternoon went flying (tasks, meetings, some jokes with your teammates). End it on a high note: celebrating cultural diversity with a Diwali, the Indian festival of lights. Tomorrow, you attend a conference led by influential speakers in your industry and, the day after, you will work from home, benefitting from some focus time to complete that report and soft skills course on LinkedIn Learning. Once you are done with your work for the day, strike the right note playing with Natixis band or be part of a board games session. If that is too steady for you, meet your colleagues to catch some waves or sail the Douro river during golden hour. Original job Credit Risk Analyst - Financial Institutions posted on GrabJobs ©. To flag any issues with this job please use the Report Job button on GrabJobs. Apply tot his job

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