Descrição da Função

We are hiring Credit Officer Fluent in English - PORTO

A new professional challenge is now available!
If you have strong analytical skills, enjoy working closely with business teams, and are motivated by fast-paced environments, this opportunity is for you.

The Credit Officer, part of the Client Services unit, will be specifically in charge of supervising and coordinating the credit aspects of the onboarding / renewal requests on behalf of the Front Office FO, with the objective to speed up the onboarding of our new accounts and maximize our profitability with new clients.

Qualifications

- Bachelor Degree in a relevant area (Management; Economics; Mathematics;...)
- Strong business knowledge, expertise in financial products and associated credit risks
- Fluent English (mandatory)
- Sensitive BPCE
- Strong computer skills especially in Excel, PowerPoint and PowerBI;
- Good understanding of standard legal documentations for OTC derivatives is a plus, especially master agreements (ISDA/CSA, MRA, GMRA, MSLA etc.)
- Strong communication (written and spoken) and presentation skills
- Ability to work in a fast-paced environment
- Organized, ability to manage multiple tasks/projects and deadlines simultaneously

Main tasks and goals

- The Credit Officer will be the key point of contact for the Relationship Manager RM, Sales and Clients from an onboarding and annual review perspective.
- You will work closely with RMs and Products Sales to pro-actively drive onboarding for the client to ensure all requests are captured, prioritized, and resolved within agreed timeframes.
- Taking ownership of onboarding problems and resolving onboarding issues.
- Prioritization and coordination of new credit requests
- Ensure all credit requests are properly captured and prioritized, in alignment with business development needs;
- Control quality / business rationale of new FO demands (consistency with business strategy / trading capacity, understanding of client requirements etc);
- Formalize detailed requests and business rationale for credit applications, including expected revenues, prepare business memos for managerial approval;
- Initiate credit workflow with the credit dossiers creation;
- Coordinate with Credit Risk Department throughout the process, represent Front - Office to enable contradictory debates with Risk;
- Maintain detailed tracking of file status to ensure issues that need response are promptly escalated;
- Update the internal tools with new requests for prioritization and follow up purposes.
- Coordination of annual credit reviews, credit exposure management
- Work on annual review process;
- Prepare the population due for review and add the population in the planification board at the beginning of each month;
- Conduct meetings with the Risk team to ensure an efficient workflow;
- Work with the Relationship Managers and Product Sales across platform to prepare for the annual renewal of client credit limits, especially Financial Institutions (for Example table limits extract, revenues etc..);
- Initiate credit workflow with the credit dossiers creation;
- Review and recommend changes, propose reallocations of limit between counterparties of a group when necessary.
- Monitoring / Improvement of the onboarding chain
- Prepare performance reports and other various ad hoc reports;
- Make recommendations /suggestions to standardize procedures and processes and to introduce new technology or improve the existing one;
- Be a force of proposition to constantly improve client service quality and streamline our processes.