CCC - Senior Credit Analyst
BNP Paribas
HK, Hong Kong (HK)
9天前

Position Purpose The Senior Credit Analyst function will concentrate on risk and financial analysis, financial modeling, credit proposal preparation and industry research.

The Senior Credit Analyst may also help the Credit Analyst team complete business management assignments from Senior Management.

Main objectives will include :

  • Ensure that the credit proposals contain the required elements for decision making and are submitted in a timely manner;
  • Participate in Credit Committee :
  • a. focusing on the risk and financial analysis on the proposed facilities

    b. forming and presenting opinions and arguments, notably as to the facilities proposed, the customers' financial standing and their financial strength within that sector

  • Assist in the monitoring of credit process in coordination with other departments;
  • Support and guide junior credit analysts
  • Key Responsibilities

  • To ensure that the credit proposals are structured in a proper and timely manner, in line with the Bank’s norms.
  • Write-up and participation in the credit proposal will be undertaken by :

  • o Performing quality control on the credit proposal;
  • o Analyzing the market in which client operates;
  • o Analyzing financial statements;
  • o Ensuring (i) adequacy of the proposed lines and (ii) accurate classification of the risk type and risk level;
  • o Ensuring cohesiveness of the information in files;
  • o Ensuring that all risks to which the Bank is exposed to are clearly analyzed, explained and mitigated;
  • o Ensuring the accurateness and cohesiveness of the information

  • To be proficient with all tools / software used by credit analysts and to assist other analysts with these if needed.
  • To build and maintain constructive relationship with all parties involved in the credit process :
  • With the Team Head and other analysts, to assist in the monitoring of credit process workflow and improvement in the credit proposal and process by anticipating upcoming credit reviews to ensure files are submitted within the maturity date or submitted for administrative extension (if needed);
  • To form opinion on prospects and every credit proposal;
  • To help supervise junior credit analysts and provide guidance to other RMs and team colleagues.
  • To support business in monitoring credit portfolio;
  • To develop knowledge on the various products and on the different markets that CCC Greater China is financing;
  • To perform other tasks, as assigned by the Management.
  • Competencies (Technical / Behavioural)

    Essential Technical Knowledge / Skills :

    Fluency in oral and written English and Mandarin.

    Strong accounting knowledge

    Strong credit analysis and presentation skills.

    Able to analyze the financials of prospects and clients and present them in a clear manner.

    Good communication and presentation abilities.

    Financial modeling skills

    To prepare credit proposal for prospects and annual reviews.

    Knowledge & experience in the Commodities sector is a plus.

    Behavioural

    Able to work under pressure independently.

    Good sense of initiative & excellent Team Player.

    Well-organized, committed & hard-working.

    Able to adapt to fast-changing environment.

    Willingness to go into details.

    Ability to meet deadlines.

    Multi-tasking with ability to priorities duties.

    Specific Qualifications Required

    A university graduate.

    At least five years banking experience, preferably as a credit analyst.

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