Senior Credit Risk Officer – BNP Paribas

Titulo da vaga: Senior Credit Risk Officer

Empresa: BNP Paribas

Descrição da vaga: RISK Corporate, within the RISK function, is jointly responsible along with the originating business line for the management of Corporate credit risks. As such, RISK Corporate is involved in the risk assessment of all types of transactions from traditional banking products (such as loans and L/C’s) to market facilities (such as futures, interest rate and commodity derivatives, and FX) across a variety of business lines (Corporate Coverage, Project Finance, Securitization, Asset Finance, Global Markets, Transaction Banking). The RISK Corporate Latam platform acts as a regional entity of the RISK function with full responsibility and extensive credit delegations covering all the Latam Countries where BNP Paribas is present notably among others, Brazil, Chile, Mexico, Colombia, Peru and Argentina.

Responsibilities:

Within RISK Corporate, the RISK Corporate Senior Credit Officer (SCO) guarantees, for the portfolio which she/he follows, the independent assessment of the credit risks as well as of the CSR ones throughout the credit process and until the maturity of the credit, in compliance with regulatory requirements and internal guidelines.

To this effect, and pursuant to the terms and perimeter of her/his credit delegation, the SCO:

• Concurs or not with the Coverage and/or Business Lines Delegation Holders on files presented to Credit Committee, pursuant to an exchange on relevant items,

• Guarantees the conformity of the decisions to the credit and CSR policies as well as the monitoring of the credit portfolio under her/his responsibility by assessing periodically its risk profile.

Within that framework, the Senior Credit Officer has the following main missions:

TO GUARANTEE THE QUALITY OF CREDIT DECISIONS

This encompasses, as a 2nd line of defense, and on the portfolio under her/his responsibility:

• jointly with Coverage and Business lines teams (and VPG as the case may be),

o the quality of the commitments taken : these commitments should be in line with the Bank’s risk appetite principles as well as with the Bank’s credit policies and procedures including Compliance and CSR aspects;

o the satisfactory level of risk anticipation by using external and internal early warning signals, by pro-actively identifying deteriorating risks and closely monitoring Watchlist files and performing or proposing periodic and targeted portfolio reviews;

o The fair valuation of the credit portfolio, specifically so through the provisioning process, but also through the identification of non performing clients and/or forborne exposures

• the adequacy of Ratings and Global Recovery Rates (GRRs) assigned to Corporate clients and exposures, ensuring strong compliance with rating and GRR policies (and ensuring documentation of any deviation);

• the redaction of clear minutes for all committees (including WL&DD committees, CDD and portfolio committees), inter-alia clearly stating RISK Corporate opinion as well as the debates with Businesses and/or VPG that might have preceded the file presentation in credit committees

• the use of the adequate level of delegation (Delegation Holder and RISK representative);

• the satisfactory circulation of information between the territories covering her/his geographical responsibilities and HO as well as communication between territories and with the relevant sectorial Risk Officer,

MORE AT LARGE, TO CONTRIBUTE TO A CONTINUED STRENGTHENING OF OUR OVERALL RISK FRAMEWORK

• to the setting up of the general and specific credit policies, through ad-hoc contributions, and to the dissemination of information on the Bank’s desired risk profile to RISK and CIB teams;

• To helping ensure that Annual Reviews are performed on a yearly basis, in a timely manner, exerting their influence on Coverage and Business Lines and following up on the calendar of reviews with the aim to respect the 0% past-due target

• to the validation process for new products or activities covered by RISK Corporate;

• to the application, adaptation and continuing improvement of the credit decision process;

• to RISK Corporate permanent control framework and to Corporate Clients continuum initiatives

• Beyond pure credit risk and beyond CSR risk, SCOs are also asked to contribute to data quality and to the monitoring of operational risk :

o improving data quality via ensuring the accuracy of key risk parameters in minutes (counterparty ratings, GRRs, country of business, business sector, use of the relevant policies, etc. and by prompting Business to follow on corrective actions

o communicating to RISK ORC CIB any operational risk she/he becomes aware of (potential fraud, breach of security package,…)

• to the continued enhancement of RISK Corporate monitoring and anticipation capabilities i.e.:

o detect potential threats on the portfolio that falls under his/her responsibility (sectorial/product/country levels, concentrations,…)

o contribute to produce dedicated portfolio reviews on Corporate perimeter when requested

o contribute to RISK Corporate’s monitoring exposures framework (i.e. Portfolio Committees, SPCF,…)

o contribute to Risk Policy Committees/Strategic Risk Reviews

Qualifications

Requirements

• Higher Education
• Fluent English
• Experience in capacities that involve credit analysis and decision (credit analyst, credit officer, relationship manager) in traditional corporate financing (CIB)

Candidate Success Factors:

Candidates are measured on the following four performance drivers, which will dictate how individual impact is considered on the Americas platform:

1. Results and Impact

o Able to influence peers and team.

o Demonstrates good judgement when making decisions of high complexity and impact.

o Exercise appropriate autonomy in the execution and delivery of work.

o Responsible for driving outcomes, which have meaningful effect on team or department.

2. Leadership and Collaboration

o Creates trust with colleagues.

o Acts in leadership capacity for projects, processes, or programs.

3. Client, Customer and Stakeholder Focus

o Able to build relationships with a mix of colleagues and clients.

o Interacts regularly with management and department leaders.

o Demonstrates the ability to influence stakeholders at the team level.

4. Compliance Culture and Conduct

o Takes full responsibility for personal actions and demonstrates courage in facing problems and conflicts.

o Perceived as a person of high moral character; upholds corporate values and displays high ethical standards.

“BNP Paribas is committed to providing a work environment that promotes diversity, inclusion and equal employment opportunities without distinction of race, color, gender, age, creed, sex, religion, nationality, disability (physical or mental), marital status, citizenship, ancestry, sexual orientation, gender identity and gender expression, or any other status legally.”

Salário:

Local: São Paulo – SP

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