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Assistant Vice President --Credit Transaction Management (Credit Operations)
senior · Risk & Compliance
About BNP Paribas India Solutions:
About BNP Paribas Group:
BNP Paribas is the European Union’s leading bank and key player in international banking. It operates in 65 countries and has nearly 185,000 employees, including more than 145,000 in Europe. The Group has key positions in its three main fields of activity: Commercial, Personal Banking & Services for the Group’s commercial & personal banking and several specialised businesses including BNP Paribas Personal Finance and Arval; Investment & Protection Services for savings, investment, and protection solutions; and Corporate & Institutional Banking, focused on corporate and institutional clients. Based on its strong diversified and integrated model, the Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realize their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy, and Luxembourg. The Group is rolling out its integrated commercial & personal banking model across several Mediterranean countries, Turkey, and Eastern Europe. As a key player in international banking, the Group has leading platforms and business lines in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific. BNP Paribas has implemented a Corporate Social Responsibility approach in all its activities, enabling it to contribute to the construction of a sustainable future, while ensuring the Group's performance and stability
Commitment to Diversity and Inclusion
At BNP Paribas, we passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued, respected and can bring their authentic selves to work. We prohibit Discrimination and Harassment of any kind and our policies promote equal employment opportunity for all employees and applicants, irrespective of, but not limited to their gender, gender identity, sex, sexual orientation, ethnicity, race, colour, national origin, age, religion, social status, mental or physical disabilities, veteran status etc. As a global Bank, we truly believe that inclusion and diversity of our teams is key to our success in serving our clients and the communities we operate in.
About Business line/Function :
The Credit Administration team in ISPL is responsible in
- Documentation control to ensure that terms & conditions of Facility Documents conform to credit decision and legal requirement.
- Validate fulfilment of conditions precedent, control limit availability in systems (Atlas II and CAT) in conformity to credit decisions and documentations, follow up on condition subsequent, documents/temporary waiver
- To certify/validate the risk data integrity in risk systems, Atlas II, RGM, CAT, and CRF in conformity with credit decision and of risk data related to Guarantors and guarantee records
- To regularly report and monitor any anomalies in legal documentation and expiry date of legal documentation.
- To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions.
- Documentation control to ensure that terms & conditions of Facility Documents conform to credit decision and legal requirement.
- Validate fulfilment of conditions precedent, control limit availability in systems (Atlas II and CAT) in conformity to credit decisions and documentations, follow up on condition subsequent, documents/temporary waiver
- To certify/validate the integrity of risk data for borrowers & guarantors in risk systems, Atlas II, RGM, CAT, MCA and CRF in conformity with credit decision & documentation.
- To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
- Contribute to successful delivery of systems and control reports enhancement with adequate UATs
- Contribute to successful delivery of systems and control reports enhancement with adequate UATs
- Promote and contribute to the implementation of a common culture and approach within CTM, and promote individual initiative, autonomy and versatility
Title
Credit Documentation Officer
Date:
Department:
CTM
Location:
Chennai
Business Line / Function:
CIB ITO
Reports to:
(Direct)
Manager
Grade:
(if applicable)
(Functional)
Number of Direct Reports:
Nil
Directorship / Registration:
Position Purpose:
The position is located in ISPL (India) and report to Manager
CTM is responsible for ensure credit approvals and credit reviews are updated/documented in a timely manner.
Responsibilities
- Preparation of credit and security documents in line with the credit approvals
- Documentation control to ensure that terms & conditions of Facility Documents conform to credit decision and legal requirement.
- Validate fulfilment of conditions precedent, control limit availability in systems (Atlas II and CAT) in conformity to credit decisions and documentations, follow up on condition subsequent, documents/temporary waiver
- Validate the framework of required covenants in the ‘Covenant Manager’ tool, against executed credit agreements
- To certify/validate the risk data integrity in risk systems, Atlas II, RGM, CAT, and CRF in conformity with credit decision and of risk data related to Guarantors and guarantee records
- To regularly report and monitor any anomalies in legal documentation and expiry date of legal documentation.
- To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
- Contribute to successful delivery of systems and control reports enhancement with adequate UATs
- Promote and contribute to the implementation of a common culture and approach within CTM, and promote individual initiative, autonomy and versatility
After reception of signed legal documents
- In cases where required, prepare additional documents (e.g. registration form for security documents, tenancy consent letter), invoice for set-up fees, memo to relevant department to arrange retrocession payment, etc.
- Collection and follow-up of various fees such as renewal, commitment and upfront fees,.
- Input of the guarantee data in the Received Guarantee Module and keep up to date the data for all credit facilities
- Input covenant framework and testing result in the Covenant Manager tool
- Input required audit financial statement for both customers and guarantors and follow up with Business/ CA to ensure receipt of required audit financial statement
- Analyse credit committee decisions and ensure credit review updates are transposed and updated into respective systems.
- Ensure control checklists are adequately prepared.
- Monitoring of genuine excess or exceptions for financing métiers products
- Ensure all monitoring and data control Reports (excess, covenants, utilisations, wathclist ETC…) are adequately prepared, tracked and monitored
Data maintenance in the systems
- Input and update credit risk data in bank accounting system and FX limits based on credit approval output.
- Input and update overdraft rates in bank accounting system based on credit approval output.
- Maintenance of monthly KPI reporting/ dashboard
- Input required audit financial statement for both customers and guarantors and follow up with Business/ CA to ensure receipt of required audit financial statement
Ad-hoc tasks
- Contribute to successful delivery of systems and control reports enhancement with adequate UATs
- Participate and contribute local/regional/global projects
- Contribution to Regulatory/IG audits
- Participate and contribute to BCP
Contributing Responsibilities
- To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
- Promote and contribute to the implementation of a common culture and approach within ITO 3C, and promote individual initiative, autonomy and versatility
- Possess a culture of accountability and discipline for management of credit risk data quality
- Clear understanding of data definition in order to secure the data quality
- Direct contribution to BNPP operational permanent control framework.
- Comply with regulatory requirements and internal guidelines
Technical & Behavioral Competencies
·
- Good understanding of risk concepts and methodologies.
- Good understanding of Financial products for banks/ FIs
- Knowledge of credit processes
- Good understanding of transaction workflows, booking concept and booking system
- Being familiar with local regulations
- Commitment to the role and capacity to meticulously implement the ITO 3C Mission Statement
- Excellent written and verbal communication skills
- Excellent attention to detail
- Strong interpersonal skills
- Good time-management skills
- Autonomy and capacity to take initiative
- Capacity to remain objective and independent in order to fulfil the control role required
Behavior
- Work under pressure
- Accurate and attention to detail/ rigor
- Committed and Motivated by a strong sense of accountability and care about delivering.
- Team player and Collaborative
- Ability to collaborate/ Teamwork
- Active listening
- Ability to deliver/ results driven
Specific Qualifications (if required)
Degree in Banking & Finance or equivalent qualification in Banking sector with more than 5 years relevant experience in preparation and review of legal credit and security documentation on structured deals, control and monitoring function of corporate credit
Skills Referential
Behavioural Skills: (Please select up to 4 skills)
Attention to detail / rigor
Ability to collaborate / Teamwork
Ability to deliver / Results driven
Creativity & Innovation / Problem solving
Active Listening
Transversal Skills: (Please select up to 5 skills)
Ability to develop others & improve their skills
Ability to manage / facilitate a meeting, seminar, committee, training…
Ability to develop and adapt a process
Ability to inspire others and generate people's commitment.
Ability to setup relevant performance indicators.
Ability to anticipate business/ strategic evolution