Descrição da Função

Porto | Hybrid Working Model

We are recruiting a Credit Officer to join a prestigious international financial institution. As part of the Client Services team, you will play a key role in supervising and coordinating the credit aspects of client onboarding and renewal processes. This position is critical to ensuring an efficient onboarding journey for new clients while supporting business growth and maximizing profitability through effective credit management.

Key Responsibilities
Act as the primary point of contact for Relationship Managers, Sales teams, and Clients regarding onboarding activities and annual credit reviews.
Coordinate and oversee credit requests, ensuring all applications are accurately captured, prioritized, and processed in line with business development objectives.
Review and challenge the business rationale behind new Front Office requests, ensuring alignment with business strategy, trading capacity, and client requirements.
Prepare and formalize credit applications, including supporting documentation, revenue expectations, and business memoranda for management approval.
Initiate and manage the credit workflow, creating and maintaining complete credit dossiers throughout the approval process.
Work closely with the Credit Risk Department, representing Front Office interests and facilitating discussions to support informed credit decisions.
Monitor the progress of credit files, ensuring timely follow-up, issue resolution, and escalation of critical matters when required.
Maintain and update internal tracking tools to support prioritization, workflow management, and reporting activities.
Coordinate the annual credit review process, ensuring reviews are planned, tracked, and completed within the required timelines.
Collaborate with Relationship Managers and Product Sales teams to prepare client credit limit renewals, particularly for Financial Institutions.
Perform credit exposure analysis, recommend changes when appropriate, and propose reallocations of limits across counterparties within the same group structure.
Produce performance reports, management information, and ad hoc analyses to support business monitoring and decision-making.
Drive continuous improvement initiatives by identifying opportunities to streamline processes, standardize procedures, and enhance operational efficiency through technology and innovation.

Candidate Profile
Bachelor's degree in Management, Economics, Mathematics, or a related field.
Strong knowledge of financial products and credit risk management.
Good understanding of OTC derivatives legal documentation, including ISDA, CSA, MRA, GMRA, and MSLA agreements (preferred).
Advanced proficiency in Excel, PowerPoint, and Power BI.
Fluent English (mandatory).
Excellent written and verbal communication skills.
Strong presentation skills and ability to engage with multiple stakeholders.
Highly organized, with the ability to manage multiple projects and deadlines simultaneously.
Ability to thrive in a fast-paced and demanding environment.
Strong analytical mindset and problem-solving capabilities.

Conditions
Outsourcing employment contract (fixed-term uncertain duration);
Project with an expected duration of 12 months; with the possibility of renewal.
Competitive salary package aligned with experience and demonstrated skills.
Meal allowance of 8.60 per working day.
Hybrid working model (8 days per month in the office).

Apply now!