Within the Credit Risk department, you will analyze credit requests for
Corporate and Institutional customers and conduct their annual reviews. This
activity will be performed within the framework of the Bank policies /
procedures and the respect of the regulatory environment.
“3 lines of defence” model: Within Risk Management department, you will
be part of the second line of defence (alongside Compliance department) which
provides rules, policies and guidelines for the first line of defence, i.e. the
teams directly working with our clients. The third line of defence, through our
internal audit team, makes sure that the first two lines are in line with legal
requirements of our supervisors and the risk appetite of the Bank.
Your next challenge:
- You
identify the risks related to the counterparties and transactions
presented and formalize an opinion, aiming at facilitating the decision-making
of the competent credit authorities. - You are
familiar with financial statements and have a good knowledge in
economics/finance in order to carry out internal credit ratings. - You
analyze P&L, balance sheets, current & future cash flows, business
plans and are able to challenge the company management or front office
assumptions. - You work
closely with the Front Officers and support them for the structuring of
their credit files. - You ensure
the strict application of the credit risk procedures and guidelines.