Head of Coverage and Territories Credit Management

Responsibilities

• Supervision and management of the Credit Analyst team.
• Ensure credit proposals are completed in due time and in compliance with the Bank's quality standards (efficiency and productivity).
• Monitor the whole credit portfolio and manage the calendar to avoid past due reviews.
• Ensure internal credit policies are applied and followed.
• Master and continuously improve the credit processes; review credit proposals prepared by Credit Analysts.
• Support team members to maximize efficiency and effectiveness.
• Assess performances through the year and execute annual appraisals.
• Ensure team members receive adequate training to improve efficiency and quality of credit analysis.
• Coordinate recruitments for the team.

Contributions

• Support of Management: portfolio oversight and risk anticipation.
• Participate in discussions of complex transactions and credit committees when necessary.
• Support Coverage and Business lines by mobilizing resources to assist Business lines.
• Regular communication with Business Lines, Coverage, SEA Regional office, and APAC SMS to improve the credit process.

Credit Analyst Role

• Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with bank policies, including analysis of financial statements, industry and economic data, and identification and presentation of all key risks.
• Spreading of financial statements.
• Understand and run RAROC simulations.
• Propose to the credit committee appropriate ratings & GRR using internal tools and Credit Analyst judgment.
• Ensure annual review / transaction deadlines are met.
• Perform portfolio reviews, periodic covenant checks, and security monitoring as required by file approval conditions.
• Maintain knowledge of bank policies, processes, risk rating tools, etc.
• Communicate reliably and professionally with internal and external clients.
• Monitor clients’ credit evolution and immediately alert management for any early warning signals, including timely update of financial spreadsheets, covenant checks, rating changes or any major event.
• Present credit proposals to local and APAC credit committees.
• Contribute to portfolio or credit administrative and statistical work such as sector analysis, RPC and watchlist/doubtful processes.
• Participate in projects to improve credit process efficiency and liaise with different métiers and BNP Paribas networks to share client information and coordinate with Relationship Managers.
• Meet with clients jointly with Relationship Managers when possible to deepen understanding of their financial performance and credit standing.
• Participate in deal discussions and perform other duties assigned by management from time to time.

Permanent Control

• Direct contribution to BNP Paribas operational permanent control framework.
• Ensure produced work complies with operational permanent control, legal and regulatory framework and requirements.