About Business line/Function:

The Coverage & Territories Credit Management (CTCM) Team is responsible for completing the credit analysis for MNCs (including due diligence when necessary).

The Credit Team performs credit analysis and provides credit recommendations on their respective delegation perimeter to Credit Committees, Transaction Approval Committees when the credit opinion on a specific counterparty is required, other RISK entities, Business Units or functions in response to general enquiries, Portfolio review committees.

Direct Responsibilities

o    Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks.

o    Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analyst’s judgment.

o    Ensure that annual review / transactions deadlines are met.

o    Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files.

o    Communicate reliably and professionally with both internal and external clients.

o    Liaison with different métiers and various networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed and to minimize overdue files in collaboration with Relationship Managers (coordination role)

o    Monitor clients’ credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants change in ratings or any major event or material evolution.

Contributing Responsibilities

o    Presentation of credit proposals to local credit committees.

o    Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.

o    Participation in discussions and on potential deals.

o    Keep updated on credit policies / methodologies

o    contribution to relevant credit projects (tools, process, methodologies… including participation to tests).

o    To contribute to any other portfolio or credit administrative and statistical works as require such as sector analysis, RDPC (Risk & Development Policy Committees) and watch list / doubtful processes.

o    Supporting team members to maximize the efficiency and effectiveness of the team.

o    Assist the Head and team Lead of CTCM on ad hoc basis as required.

o    Provide back-up on tasks performed by CTCM team when necessary.

o    Contribute to the Permanent Contro