Company: BBE
Location: Bld Bischoffheim 1 8, 1000 Brussels.
About Us:
Join BBE, we build long term business opportunities and foster sustainable relationships both in Europe and across emerging markets. As a modern international bank, we aim to provide quality service combined with operational excellence, driven by the latest digital technology. Discover a rewarding career path where your talents are nurtured, and your contributions make a real difference.
Job Purpose:
As a Credit Analyst Officer, your role entails: Support the Head of Credit Risk with the management and overview of the end to end credit processes of Byblos Bank Europe and the branches in London and Paris (BBE) from a second line credit risk perspective, in line with credit policies, relevant regulatory requirements and guidance and instructions from the BBE Board and Senior Management.
Job Description:
1. Credit Risk Management
2. Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of borrowers
3. Assess the financial strength of borrowers and guarantors
4. Assess the risk associated with extending credit and make recommendations for credit approvals or rejections.
5. Prepare detailed credit reports and summaries for internal and external stakeholders.
6. Monitor and manage the credit exposure of existing borrowers (sectors, geographies...) by reviewing financial statements and conducting periodic risk assessments.
7. Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.
8. Collaborate with other departments, particularly the relationship managers, to gather and analyse necessary information for credit evaluations.
9. Develop and maintain relationships with relationship managers, ensuring clear communication and understanding of credit terms and conditions.
10. Assist in the development and implementation of credit policies, procedures, and risk assessment models to improve overall credit management.
11. Ensure efficient management of credit files including nonperforming files through monitoring of utilization within approved limits, review and follow up of collaterals, monitoring of commitments and settlement of excesses and/or unpaid.
12. Ensure the implementation of the recommendations issued in their reports by the Local Credit Committee as well as the Central Credit Committee of the parent company, the internal audit, the external audit, the "Credit Review" of the parent company and the NBB in accordance with the credit policy and procedures.
13. Follow up on the correct settlement of loans and facilities as per deadlines
14. Process and recommend requests for authorization of excess over the limits as established in the procedures
15. Ensu