Junior Credit Risk Analyst

Company Description

Natixis in Portugal is fully integrated in the global organization of Natixis, a French multinational financial services firm specialized in Asset & Wealth Management, Corporate & Investment Banking, Insurance and Payments. A subsidiary of Groupe BPCE, Natixis counts nearly 16.000 employees across 38 countries.

Based in Porto, Natixis Centre of Expertise mission is to transform traditional banking by developing innovative solutions for the bank’s business, operations and work culture worldwide, as a key driver of the company’s culture of agility and innovation. Teams of IT and Banking Support Activities work in an integrated, inclusive and transversal way, supporting all the business lines and country platforms.

Natixis in Portugal is the best combination of a “start-up mindset” with a large, solid structure. Its unique culture gives true meaning to a “beyond banking” personality: to be a real entrepreneur, self-challenging, ever striving to excel and go that extra mile.

Job Description

The Credit Risk Analyst position will be part of the Credit Analyst Risk team, which covers all major sectors for the Americas such as Structured Credit (Project Finance, Global Trade, Fund Financing, Securitization, Leveraged Finance), Financial Institutions (Banks and Insurance), Funds (Hedge Funds, Asset Managers, Private Equity and REITS), Real Estate and Corporates.

The Credit Risk team is considered the second line of defense at Natixis, and accordingly, the focus will be on the assessment and underwriting of the Credit Risk which is supported by the formulation of a written Risk Opinion, which may be presented to Credit Committee.

Essential duties and responsibilities

The Credit Analyst will be responsible for providing analysis for the Americas platform including US, Canadian and Latam markets of the sector she/he will be covering; the role will include, but will not be limited to:

• Prepare written risk opinions and analysis; articulate a convincing case in support of the risk opinion; and challenge the First Line of Defense analysis when appropriate;
• Present to Senior Management and Credit Committees when required;
• Conduct client due diligence calls; professionally represent the bank with clients;
• Recommend Credit terms and conditions within Trading Documentation (e.g. ISDA, MRA and MSLA’s);
• Work with those on the Business side including Sales desk.
• Stay connected with industry trends and macro issues which may impact the portfolio; be able to recommend changes or action impacting specific clients or groups of clients;
• Have a good understanding of the regulatory environment that each of our counterparts operates in.

The Credit Analyst should:

• Be familiar with due diligence and analysis requirements for counterparties and capital markets products;
• Be able to identify and concisely describe the potential risk(s) and positive attributes of each request, with the goal being to assess credit risk while supporting the business;
• Be proficient in MS Office products including extensive knowledge of MS Excel;
• Have excellent communication (written, oral and listening) and interpersonal skills. Skillful written communication is essential: the ability to convey thoughts clearly and succinctly and to communicate pertinent complex information in a clear and organized manner;
• Have strong analytical and critical thinking abilities;
• Be self-motivated with the ability to work independently while understanding when to involve other team members as needed and to work effectively in a team environment.

Qualifications

• Master’s Degree from an accredited university/college required in Finance, Accounting, Economics or other business-related discipline.  
• Fresh out of university or light experience
• Fluency in English is mandatory (C1 or C2).
• Proficiency in MS Office products including extensive knowledge of MS Excel.
• Self-directed with the ability to learn quickly.
• High degree of integrity and strong work ethic.
• Knowledge of financial analysis, credit products and credit risk processes.

We will only consider English CV's.

Additional Information

#MuchMoreThanJustAJob

Early morning. Campo 24 de Agosto. In 4 minutes, you are clocking in at the office. Start your day having breakfast with the Team and grab fresh fruit on the way to your seat, in one of Porto’s most typical neighborhoods. This Purple Day is going to be a busy one: daily meeting ensuring all team members are on the same page regarding work status, priorities and blockers, language class and, just after, a Talent Management meeting with your manager, discussing your career path. 

Lunch break. Today, your Team is onboarding newcomers, but also welcoming French colleagues: the perfect excuse to walk downtown and bond over a francesinha. When returning, inhale nature and peace of mind in Natixis Urban Garden (look at the crops; ready to harvest!). 

Back inside. Brainstorming session on a new, exciting project in our disruptive and immersive Manaus Village. The afternoon went flying (tasks, meetings, some jokes with your teammates). End it on a high note: celebrating cultural diversity with a Diwali, the Indian festival of lights. 

Tomorrow, you attend a conference led by influential speakers in your industry and, the day after, you will work from home, benefitting from some focus time to complete that report and soft skills course on LinkedIn Learning. Once you are done with your work for the day, strike the right note playing with Natixis band or be part of a board games session. If that is too steady for you, meet your colleagues to catch some waves or sail the Douro river during golden hour.