Credit Risk Analyst

Company Description

Natixis in Portugal is a Centre of Expertise whose mission is to transform traditional banking by developing innovative solutions for the business, operations and work culture of Groupe BPCE worldwide. 

As part of Groupe BPCE’s international division, Natixis in Portugal designs and delivers solutions for its two core areas – Corporate & Investment Banking and Asset & Wealth Management – as well as transversal services that support all entities across the Group. 

With more than 3,000 employees representing 46 nationalities, the teams work across Information Technology, Banking Support Activities, and Compliance, in an integrated, inclusive, and cross-functional way, supporting all business lines and platforms of the Group. 

A disruptive mindset and a culture of proximity and agility identify Natixis in Portugal Team and reflect the company's mission to transform traditional banking at a global scale: a perfect match in the Portuguese dynamics and entrepreneurial ecosystem.

Job Description

The Credit Risk Analyst position will be part of the Head Office Financing Credit Analyst Risk team, which covers all major sectors for Europe  such as Structured Credit (Project Finance, Global Trade, Leveraged Finance), Real Estate and Corporates.

The Credit Risk team is considered the second line of defense at Natixis, and accordingly, the focus will be on the assessment and underwriting of the Credit Risk which is supported by the formulation of a written Risk Opinion, which may be presented to Credit Committees or to a Senior Delegatory.

You play an active role in the implementation of new operations in interaction with the business lines. You will be proactively involved in the management and monitoring of risks, and credit risk transversal topics.

Essential duties and responsibilities

The Credit Analyst will be responsible for providing analysis for Europe counterparties  of the sector she/he will be covering; the role will include, but will not be limited to:

• Carry out the contradictory analysis of grant files, one-off requests and renewals of credit lines.
• Engage constructively with the various business lines on risk points and the results of your analysis, asserting your position to make improvements to requests from a credit risk perspective.
• Present to Senior Management and Credit Committees when required.
• Conduct client due diligence calls; professionally represent the bank with clients.
• Recommend Credit terms and conditions within Trading Documentation (e.g. ISDA, MRA and MSLA’s).
• Perform proactive portfolio monitoring to anticipate any material deterioration in a counterparty's credit risk, with a Watch List if necessary.