Credit Officer

Adecco; Porto; Hybride; EUR 32 000 - 46 000; Plein temps

Avantages offerts par ce poste

Meal allowance €8.60 per working day

Résumé du poste

Adecco is recruiting a Credit Officer to join a prestigious international financial institution in Porto. You will supervise and coordinate credit aspects of client onboarding and renewal, ensuring a smooth onboarding journey and profitable credit management.

In this hybrid role, you will act as primary contact for Relationship Managers, Sales teams, and Clients; coordinate credit requests, review business rationale, prepare credit applications, and maintain credit dossiers throughout the

Qualifications

• Bachelor's degree in Management, Economics, Mathematics or related field.
• Strong knowledge of financial products and credit risk management.
• Advanced Excel, PowerPoint, and Power BI skills.
• Familiarity with OTC derivatives documentation (ISDA, CSA, MRA, GMRA, MSLA).

Responsabilités

• 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 accurate capture, prioritization and processing.
• Review and challenge the business rationale behind new Front Office requests, aligning with strategy and client requirements.
• Prepare and formalize credit applications with supporting documentation and management approval.
• Initiate and manage the credit workflow, creating complete credit dossiers throughout the approval process.
• Monitor progress of credit files, ensuring timely follow-up and escalation of critical matters.
• Maintain and update internal tracking tools to support prioritization and reporting.
• Coordinate the annual credit review process and renewals for Financial Institutions.

Connaissances

Financial products

Credit risk management

Relationship management

Stakeholder communication

Formation

Bachelor's degree in Management, Economics, Mathematics

Outils

Excel

PowerPoint

Power BI

ISDA

CSA

MRA

GMRA

MSLA

Description du poste

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

Academic Background

• Bachelor's degree in Management, Economics, Mathematics, or a related field.

Technical Skills

• Strong knowledge of financial products and credit risk management.
• Advanced proficiency in Excel, PowerPoint, and Power BI.
• Good understanding of OTC derivatives legal documentation, including ISDA, CSA, MRA, GMRA, and MSLA agreements (preferred).

Soft Skills

• 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

• Fixed-term outsourcing employment contract.
• 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).
• Opportunity to join a dynamic, collaborative, and international team.
• Exposure to strategic, high-visibility digital projects.
• Innovative and fast-paced work environment focused on continuous improvement.

If you are looking for a challenging opportunity within an international financial environment and would like to contribute to a team dedicated to excellence, innovation, and client value creation, we would love to hear from you.