Credit Risk Analyst - Financial Institutions | Risk

Natixis in Portugal; Portugal; Presencial; EUR 45 000 - 60 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Hybrid Work Policy

Green Transportation Budget

Electric bikes

Resumo da oferta

Natixis in Portugal seeks a Counterparty Credit Risk Analyst to join the Financial Institutions Credit Risk team, covering banks, insurers, and broker/ dealers for EMEA. You will assess counterparty risk, prepare internal ratings and risk opinions, and present to Credit Committee.

The role requires 3–5 years in counterparty risk or FI credit analysis, a Bachelor's degree in Finance or related field, and fluent English; French is a plus.

Qualificações

• 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.

Responsabilidades

• 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.

Formação académica

Bachelor's Degree in Finance, Accounting, Economics, or related field

Descrição da oferta de emprego

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.

Job Description

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

• 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.