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 mtiers 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 :
- Attention to detail / rigor
- Ability to collaborate / Teamwork
- Ability to deliver / Results driven
- Creativity Innovation / Problem solving
- Active Listening
Transversal Skills:
- Analytical ability
- 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.
