Your next challenge:
- The Intensive and Specific Management (GIP) unit, dedicated within Credit Risk Management to handling potentially problematic loans and counterparties, helps to reduce credit risk through a proactive approach while attempting to minimize potential losses for the Bank in the event of default. The team is looking for a Credit risk restructuring analyst who will be working on Corporate and Real Estate clients.
- As the centralizing element of Credit Risk Management, the GIP team is responsible for:
- Taking primary responsibility for managing potentially problematic loans and defaulted exposure which includes effective coordination with different internal stakeholders : Relationship Management, Legal Department, Back Offices, Credit Risk Management department and, where appropriate, Compliance
- Presenting to Credit Committee a concise view/overview of problem loan situations, including file strategy, assessment of options and recommendation.
- In collaboration with the Relationship manager, negotiate and implement long-term restructuring solutions, take a lead in negotiations with clients and potential other lenders. Implementation and monitoring of the action plan approved by Default Committee including in specific cases documentation execution.
- Preventive detection of (potentially) problematic loans through assessment of early warning indicators
- Daily Monitoring excesses and overdrafts including collateral deficit management. Carrying out provision assessments on non-performing loan cases.
- Preparing supervision lists (Special Mention, Watchlist, NPL, Forbearance)
- Effective data management in connection with cases in restructuring before default
- Participation in the development of monitoring guidelines or forbearance and non-performing procedures and policies, support and control systems, and working tools.