Credit Risk Analyst — Hybrid, Global Impact

Natixis in Portugal; Porto; Híbrido; EUR 42 000 - 60 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Hybrid work policy

Green Transportation Budget

Wellbeing programs

Resumo da oferta

Natixis in Portugal is seeking a Credit Risk Analyst to join the Head Office Financing Credit Analyst Risk team, covering major European sectors. You will assess credit risk, formulate written opinions, and present findings to committees.

The role involves active collaboration with business lines and proactive risk monitoring. The ideal candidate has 2–3 years in corporate credit analysis, strong MS Excel skills, and fluent English.

Qualificações

• Master's Degree in Finance, Accounting, Economics or related field.
• 2–3 years of corporate credit analysis or credit risk experience.
• Fluency in English (C1/C2); French appreciated but not mandatory.
• Proficiency in MS Excel and financial analysis.
• Strong communication and analytical skills.

Responsabilidades

• Carry out credit risk analysis of grant files, one-off requests and renewals.
• Engage with business lines on risk points and analysis results to improve credit requests.
• Present to Senior Management and Credit Committees when required.
• Conduct client due diligence calls and represent the bank professionally.
• Recommend credit terms and conditions within Trading Documentation (ISDA, MRA, MSLA).
• Perform proactive portfolio monitoring to anticipate deterioration with a Watch List if needed.
• Ensure proper use of rating models and LGDs and evolve them over time.
• Stay updated on industry trends and macro issues affecting the portfolio.
• Understand the regulatory environment in which counterparts operate.

Conhecimentos

Credit analysis

Risk assessment

Financial analysis

MS Excel

Communication skills

Independent worker

Team collaboration

Formação académica

Master's Degree in Finance / Economics

Ferramentas

MS Office

MS Excel

Descrição da oferta de emprego

Natixis in Portugal is seeking a Credit Risk Analyst to join the Head Office Financing Credit Analyst Risk team, covering major European sectors. You will assess credit risk, formulate written opinions, and present findings to committees.

The role involves active collaboration with business lines and proactive risk monitoring. The ideal candidate has 2–3 years in corporate credit analysis, strong MS Excel skills, and fluent English.