2019 APAC Graduate Programme - Credit Analyst - Kuala Lumpur
Position Purpose
BNP Paribas has a presence in 74 countries with over 190,000 employees. It ranks highly in its two core activities: Retail Banking and Services as well as Corporate & Institutional Banking.
In Asia Pacific, the BNP Paribas Group is a leading employer with more than 15,000 employees* and a presence in 14 markets. Being one of the largest international banking networks, we strive to employ talented and innovative people who are aligned to our vision and culture.
*excluding partnerships
The Graduate Programme is a comprehensive 24-month programme designed to equip graduates with the technical skills and individual competencies to embark upon a successful career within the BNP Paribas Group. This opportunity includes a formal mentoring programme, graduate community initiatives, relevant technical training and on- the- job learning from our senior managers and highly experienced team members.
Direct Responsibilities
- Prepare complete, synthetic and coherent credit proposals in line with the bank’s policies. The credit proposals should encompass analysis of financial statements, industry, economic data as well as identification and analysis of key risks and mitigations
- Propose to the credit committee appropriate credit ratings & recovery rates, using internal tools and Credit Analyst’s judgement
- Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files
- Monitor clients’ credit evolution and alert management for any early warning signals, major events or material evolution
- Presentation of credit proposals to credit committees
- Ensure annual review/ transactions deadlines are met
- Communicate reliably and professionally with both internal and external clients
- Keep updated with the bank’s credit methodologies and policies
Contributing Responsibilities
- To contribute to any other portfolio or credit administrative and statistical works as required such as sector analysis, risk policy committees and watchlist / doubtful processes
- Support the Relationship Manager / Front Officer in credit process-related matters within own scope (e.g. data quality control, BNM relevant report)
- Support team members to maximize efficiency and effectiveness of team
- Participate in projects linked to improving credit process efficiency
- Meet clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.
- Participation in discussions on potential deals
- Other duties assigned by management from time to time
Technical and Behavioural Competencies
Students who have recently graduated or graduating in 2019 from all areas of disciplines are most welcome to apply. Applications will be reviewed on a rolling basis.
- Takes initiative and is results driven
- Strong decision making and analytical skills
- Act with integrity
- Ability to manage change and complexity with confidence
- Strong team player
- Client focused and commercial thinking
- Excellent interpersonal and communication skills
- Self-motivated and genuine interest in Banking and Finance
- Proficiency in Microsoft office (MS Word, Excel & Power point)
- Prior related internship within the banking industry is an advantage
This opportunity is closed to applications.