Position Purpose:
1. To advise the bank on risk appetite definition.
2. To report and alert bank management on the status of risks to which the bank is exposed.
3. To contribute to the development and growth of the risk culture within the Group.
Direct Responsibilities
1. Preparation of precise and concise credit proposals (ranging from new facilities, amendments to annual renewals) with accurate and comprehensive analysis in line with the bank’s policy including :
- In liaison with the RM, to spread, analyze and comment on the economic rationale and account strategy behind the credit facilities ;
- To retrieve credit bureau information checking and incorporate the necessary information in the credit proposal.
- Pros/Cons/SWOT analysis and risk analysis on the repayment ability of the counterparty, collateral pool and specific transaction.
- To initiate and follow up with other metiers and functions, such as Compliance, Legal, Product for the concurrence on the facilities in accordance with the credit procedure.
- Objective recommendations on the proposal, including credit ratings, GRR, etc.
- To ensure all information included in the credit proposal are verified and well supported ;
- To ensure approval process and circulation route is in line with related internal guidelines.
- Management of credit proposals, approval minutes, and authorization tickets.
- Management of credit review overdue.
2. Coordination with Regional Credit teams
- To coordinate with Regional Monitoring team to handling/follow up the trade level approval and limit/collateral management.
- To coordinate with Regional Credit Admin team to handle credit documentation preparation and receipt.
- To assist the control of the loan agreements and trade level documents and its deficiency.
3. To attend to ah-hoc assignments, e.g. to support other credit analysts in the team as assigned from time to time.
- Prepare periodic & non-periodic reports to Head Office, Regional Office, Local Regulatory, Credit Bureau, and local management reports.
- Support to new business project.
4. Responsibility and contribution to control aspects, including:
- Direct contribution to BNPP operational permanent control framework.
- Contribute to the implementation of operational permanent control policies and procedures in day-to-day business activities, such as Control Plan
- Comply with regulatory requirements and internal guidelines
- Contribute to the reporting of all incidents according to the Incident Management System
