Credit Risk Analyst - Financial Institutions | Risk

Natixis in Portugal; Lisboa; Hybrid; EUR 55.000 - 75.000; Vollzeit

Benefits dieser Stelle

Green Transportation Budget

Hybrid Work Policy

Wellbeing programs

Prayer Room

Lactation Room

DEI initiatives

Zusammenfassung

Natixis in Portugal is seeking a Credit Analyst specialized in Counterparty Credit Risk to join the Financial Institutions team. You will assess counterparties such as banks, insurance companies, and broker/dealers, produce risk opinions, and support credit decisions.

The ideal candidate holds a Bachelor's in Finance or Economics, has 3–5 years of FI credit analysis experience, is fluent in English, and enjoys strong Excel skills.

Qualifikationen

• Bachelor’s Degree in Finance, Economics, or related field.
• 3–5 years of direct Counterparty Credit Risk or FI credit analysis experience.
• Fluent written and spoken English.
• French language skills are beneficial but not required.

Aufgaben

• Prepare comprehensive written risk opinions and analyses for counterparties (banks, insurers, brokers/ dealers).
• Recommend credit terms within trading documentation (ISDA/CSA, GMRA, GMSLA).
• Monitor industry trends and macro issues impacting the portfolio; suggest actions as needed.
• Understand and navigate the regulatory environment affecting counterparts.

Kenntnisse

Counterparty Credit Risk

Credit Risk Analysis

Excel

MS Office

English fluency

Ausbildung

Bachelor’s Degree in Finance

Bachelor’s Degree in Economics

Tools

MS Office

Excel

Jobbeschreibung

Company Description Natixis in Portugal is a Centre of Expertise whose mission is to transform traditional banking by developing innovative solutions for the business, operations and work culture of Groupe BPCE worldwide.

Company Description Natixis in Portugal is a Centre of Expertise whose mission is to transform traditional banking by developing innovative solutions for the business, operations and work culture of Groupe BPCE worldwide. As part of Groupe BPCE’s international division, Natixis in Portugal designs and delivers solutions for its two core areas – Corporate & Investment Banking and Asset & Wealth Management – as well as transversal services that support all entities across the Group. With more than 3,000 employees representing 46 nationalities, the teams work across Information Technology, Banking Support Activities, and Compliance, in an integrated, inclusive, and cross-functional way, supporting all business lines and platforms of the Group. A disruptive mindset and a culture of proximity and agility identify Natixis in Portugal Team and reflect the company"s mission to transform traditional banking at a global scale: a perfect match in the Portuguese dynamics and entrepreneurial ecosystem.

The Counterparty Credit Risk Analyst will be part of the Financial Institutions Credit Risk team, which covers banks, insurance companies, broker/ dealers for EMEA. The FI Credit Risk team is considered the second line of defense at Natixis, and accordingly, the focus will be on the counterparty assessment of the Credit Requests the recommendation of an internal rating (based on the appropriate internal model and LGD) and the formulation of a written Risk Opinion, which may be presented to Credit Committee.

Key Requirements & Competencies

• Possess a strong grasp of due diligence and analysis requirements for counterparties and complex capital markets products (including derivatives, financing, and structured transactions).
• Be able to identify, concisely describe, and mitigate the potential risk(s) of each request, with the ultimate goal of finding structured solutions to support the business while avoiding undue risks and credit loss.
• Demonstrate a high level of proficiency in MS Office products (including advanced Excel data manipulation).
• Have excellent communication (written, oral, and listening) and interpersonal skills. Skillful written communication is essential: the ability to convey complex arguments clearly and succinctly and defend risk opinions confidently in front of senior stakeholders and committees.
• Have strong analytical, critical thinking, and decision-making abilities.

Essential Duties And Responsibilities

The Credit Analyst will be primarily responsible for providing a counterparty assessment on banks, broker/ dealers, Insurance companies; the role will include, but will not be limited to:

• In line with Natixis policies and procedures, prepare comprehensive written risk opinions and analysis; articulate a convincing, defensible case in support of the risk opinion (and rating); and constructively challenge the First Line of Defense analysis/requests.
• Recommend Credit terms and conditions within Trading Documentation (e.g., ISDA/CSA, GMRA, GMSLA).
• Stay connected with industry trends and macro issues which may impact the portfolio; be able to recommend changes or actions impacting specific clients or groups of clients.
• Have a good understanding of the regulatory environment that each of our counterparts operates in.

Qualifications

• Bachelor’s Degree from an accredited university/college in Finance, Accounting, Economics, or another business-related discipline.
• 3 to 5 years of direct experience in Counterparty Credit Risk or Financial Institutions (FI) credit analysis within a corporate or investment bank.
• Must be fluent (written and oral) in English.
• Fluency in French is beneficial, but not essential.

We will only consider English Cv's.

Additional Information

Our workplace reflects the vibrant spirit of our locations, with initiatives such as a Green Transportation Budget, electric bikes and a flexible Hybrid Work Policy. We promote wellbeing through the Honolulu Wellness Club, a Prayer Room, a Lactation Room, and themed Villages that inspire creativity and collaboration. Through our ESG and DEI strategies, we are committed to being inclusive, caring, and fair, ensuring every voice is heard and valued.