BNP Paribas is an international bank with leading positions in the European market. It is present in 74 countries and employs more than 192,000 people, 146,000 of whom are in Europe. The Group holds key positions in its three main areas of activity: Domestic Markets and International Financial Services (whose retail banking and financial services network is part of Retail Banking & Services), as well as Corporate & Institutional Banking, which offers services to corporate and institutional clients. The Group supports its customers (individuals, entrepreneurs, SMEs, large companies, and institutions) to help them carry out their projects by providing financing, investment, savings, and insurance services. In Europe,
the Group has four domestic markets (Belgium, France, Italy, and Luxembourg) and BNP Paribas Personal Finance is number one in retail financing in Europe. BNP Paribas is developing its integrated retail banking model in the Mediterranean countries, Turkey, Eastern Europe and has an important network on the US West Coast. In both its Corporate & Institutional Banking and International Financial Services activities, BNP Paribas has leading positions in Europe, a strong presence in the Americas, and a solid and growing network in the Asia-Pacific region.
MISSION
Within the RISK Function, RISK Corporate mission statement is to ensure the quality of risks taken on Corporate and Institutional Banking (CIB) corporate activities (namely the clients of CIB Global Banking). It acts as the second line of defense on all credit decisions relating to CIB GB corporate clients to guarantee quality and consistency with a level of risk acceptable to the Bank (risk profile and policies). This also applies to ESG risks. Monitor the risk profile of corporate exposures and lead the Corporate Clients continuum initiatives.
RESPONSIBILITIES
Within RISK Corporate, the RISK Corporate Senior Credit Officer MNC (SCO MNC) guarantees, for the MNC portfolio which she/he follows, the independent assessment of the credit risks as well as of the ESG ones throughout the credit process and until the maturity of the credit, in compliance with regulatory requirements and internal guidelines. To this effect, and pursuant to the terms and perimeter of her/his credit delegation, the SCO MNC:
Concurs to the credit decisions in close cooperation with the Pilot SCOs, and with the SCOs located in the managing entities for the MNCs of her/his portfolio.Concurs or not with the Coverage and/or Business Lines Delegation Holders on files presented to Credit Committee, pursuant to an exchange on relevant items.Guarantees the conformity of the decisions to the credit and ESG policies as well as the monitoring of the credit portfolio under her/his responsibility by assessing periodically its risk profile.Within that framework, the Senior Credit Officer MNC has the following main missions:
TO GUARANTEE THE QUALITY OF CREDIT DECISIONS: This encompasses, as a 2nd line of defense, and on the MNC portfolio under her/his responsibility:Jointly with Coverage and Business lines teams (and VPG as the case may be), and in close cooperation with the Pilot SCOs, and with the SCOs located in the managing entities for the MNCs of her/his portfolio:
The quality of the commitments taken: these commitments should be in line with the Bank's risk appetite principles as well as with the Bank's credit policies and procedures including Compliance and ESG aspects.More specifically on ESG aspects, she/he will guarantee the compliance of credit decisions with ESG sectorial policies, exclusion and monitoring lists, Equator principles where relevant as well as internal procedures including Group CSR procedures and guidelines; will identify and highlight in credit committees ESG risks & other related matters (by ensuring inter-alia, that CSR screenings are deployed and performed when applicable and that sustainable finance existing guidelines are applied);
The satisfactory level of risk anticipation by using external and internal early warning signals, by pro-actively identifying deteriorating risks and closely monitoring Watchlist files and performing or proposing periodic and targeted portfolio reviews.The fair valuation of the credit portfolio, specifically so through the provisioning process, but also through the identification of non-performing clients and/or forborne exposures.The adequacy of Ratings and Global.
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