Credit Analyst

Position Purpose

• To advise the bank on risk appetite definition.
• To report and alert bank management on the status of risks to which the bank is exposed.
• To contribute to the development and growth of the risk culture within the Group.
  
  

Key Responsibilities

Credit Analysis and Structuring: Prepare comprehensive credit proposals in accordance with the Bank's credit policies and procedures.

• Conduct thorough analysis of financial statements and assess credit requests, including: New, Amendments and Annual Review proposals.
• Perform credit risk analysis on counterparties and specific transactions, including assessment of repayment capacity.
• Develop financial models and analytical tools (e.g. cash flow projections) to support credit assessments.
• Provide clear, well-supported credit recommendations based on risk analysis.
• Present credit analysis, findings, and recommendations to the relevant credit committees, with particular focus on credit risks and repayment capacity.
  
  

Transaction & Portfolio Management

• Reconcile credit files and approvals, identify discrepancies or variances, and take appropriate follow-up actions.
• Initiate and coordinate with other business lines and functions (e.g. Fixed Income, Syndication, Project Finance, Portfolio Management) to obtain required concurrences in line with credit procedures.
• Support account strategy development in close collaboration with Relationship Managers (RMs).
• Engage regularly with business lines to clarify information requirements and agree on credit structuring and presentation strategies.
• Participate in client meetings or site visits jointly with Relationship Managers, when required, to enhance understanding of the credit context.
• Perform interim financial reviews and utilization reviews in accordance with approved conditions.
  
  

Account Monitoring & Risk Control

• Assist Relationship Managers in ongoing account monitoring activities.
• Promptly report any material deterioration in clients financial conditions or adverse news to Relationship Managers and Risk Officers.
• Monitor compliance with financial covenants and other undertakings on a regular basis and ensure timely input of results into relevant systems.
• Ensure strict compliance with regulatory requirements, internal policies, and risk management guidelines.
  
  

Credit Administration

• Perform administrative duties for credit files under management, including:
• Preparation of authorization tickets, group positions, and credit summaries.
• Ensuring proper and timely filing in shared drives and internal systems.
• Coordinating with Relationship Managers to initiate credit file renewals ahead of maturity or designated review dates.
• Maintaining and updating work-in-progress tracking.
  
  

Ad-hoc & Project Support

• Support transversal projects or provide backup to other Credit Analysts as assigned by the Team Head.
• Prepare ad-hoc reports or updates requested by Regional Management or Head Office.
• Contribute actively to internal control, risk mitigation, and process improvement initiatives.
  
  

Coordination with Regional counterparties

• To coordinate with Regional Monitoring team to handling/follow up the trade level approval and limit/collateral management.
• To coordinate with Regional Credit Admin team to handle credit documentation preparation and receipt.
• To assist the control of the loan agreements and trade level documents and its deficiency.
  
  

Responsibility And Contribution To Control Aspects, Including

• Direct contribution to BNPP operational permanent control framework.
• Contribute to the implementation of operational permanent control policies and procedures in day-to-day business activities, such as Control Plan
• Comply with regulatory requirements and internal guidelines
• Contribute to the reporting of all incidents according to the Incident Management System
  
  

Competencies (Technical / Behavioural)

• High sense of responsibility & teamwork spirit.
• Strong credit analytical skills and comprehensive knowledge of the Taiwan market, its participants, and credit & trading products.
• Strong organizational and coordinating ability.
• Strong written and verbal communication skills to firmly and confidently express credit decision and opinions.
• Ability to react to stressful situations with professionalism while remaining calm.
  
  

Specific Qualifications Required

• Bachelor's Degree in Business Administration, Accounting, Finance, Economics, or equivalent experience.
• Minimum of 10 years working experience in financial institutions with a minimum 3 years in a credit analysis and structuring role (credit trained).
  
  

About BNP PARIBAS

As the leading European Union bank, and one of the world's largest financial institutions with an uninterrupted presence in the region since 1860, BNP Paribas offers a wide range of financial services for corporate, institutional and private investors spanning corporate and institutional banking, wealth management, asset management and insurance.

We passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued and encourage applicants of all backgrounds, including diversity of origin, age, gender, sexual orientation, gender identity, religion applicants who may be living with a disability. We have a number of internal employee networks in place to empower our staff to act and challenge the status quo.

• BNP Paribas PRIDE is highly active in favour of the LGBTQIA+ community
• BNP Paribas MixCity which fosters better representation of women at all levels of the organization
• Ability, the mutual aid network for employees with a disability or a disabling or chronic illness
• BNP Paribas CulturAll which celebrates diverse backgrounds
  
  

BNP is committed to financing a carbon-neutral economy by 2050. The Group is a founding member of the Net-Zero Banking Alliance and has set up its own Low Carbon Transition Group to support its clients through their energy transitions.

https://careers.apac.bnpparibas/

More information

BNP Paribas - Diversity & Inclusion Journey

BNP Paribas - The Bank Of Green Changes

Award Obtained

BNPP has won Top employer Europe award in a 10th consecutive year