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Credit Control Officer Full-time

de BNP Paribas em Lisboa (Publicado em 21-03-2020)

BNP Paribas is a leading European bank with an international reach. It has a presence in 72 countries, with more than 202,000 Employees ? including more than 154,000 in Europe and over 5,000 in Portugal alone.

BNP Paribas is present in Portugal since 1985, having been one of the first foreign banks to operate in the country. Today, BNP Paribas has several entities operating directly in this territory, offering a wide range of integrated financial solutions to support its clients and their businesses.

Worldwide, the Group has key positions in its three main activities: Domestic Markets and International Financial Services (whose retail-banking networks and financial services are covered by Retail Banking & Services) and Corporate & Institutional Banking, which serves two client franchises: corporate clients and institutional investors. The Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporate and institutional clients) to realise their projects through solutions spanning financing, investment, savings and protection insurance.

CTM is a dedicated Operating Line within CIB ITO Global Credit Operations (Financing Solutions).

Its function is to ensure a 1st level of defence within CIB through an independent reporting, monitoring and control (a priori & a posteriori) of the risks taken by CIB on Corporate clients applied on the entire credit chain ? from Front Office support to ITO Servicing.

The core missions of CTM

  • Contribute and support the handover, transition and BAU from CTM Nordics from Uk to Portugal
  • Define, along with Risk/Businesses, TOM & the Standard Global Control framework on the whole credit chain

  • Ensure the control of performance of a harmonized & global control plan across region & organisation

  • Guarantee the conformity of all controls, authorisations & collaterals put in place with the credit decisions made
  • Ensure the management and integrity of risk data input into risk systems used in the control and reporting of credit/counterparty risk

  • Guarantee that credit/counterparty risks taken by the Bank are monitored correctly

  • Provide appropriate risk reporting as required by Business, Risk, Bank Management and others

  • Be the CTM support for RISK function/CIB Businesses in relation to Credit Transaction Management processes & control plans

  • Define and implement ITO strategy at CTM level. Align operating model to Business needs and CIB ITO needs and constraints. Define service level towards business/functions

  • Steer and control CTM operating line?s global budget/costs overall

  • Manage CTM operating line projects/portfolio & supervise execution of exceptional/global projects

  • Participate& contribute to IT systems architecture evolution & functional design ensuring optimized processes & data Integrity


  • Ensure that the CTM functions in the branch are carried out in accordance with CTM core mission

  • Ensure that CTM policies, procedures, best practices and guidelines are appropriately followed in the branch

  • Guarantee the conformity of the legal documentation with the credit decision. Draft strandard credit contracts- Make sure these drafting and checks are made in a timely manner

  • Ensure the accuracy of risk data in all of the systems in use

  • Interact with the Business, Risk entities, Audit/Inspection, Regulators and other Functions, as they pertain to CTM matters (corporate credit issues, permanent controls, Business Impact Analysis, follow-up of Audit/Inspection recommendations for CTM scope,?.)

  • Foster strong communications with, and provide on-going support to Chief Operating Officers, Senior Credit Officers, Delegation holders & Business Lines, Finance and Credit Admin/Client Service Desk

  • Participate in the organization of the local Watch List and Doubtful debt committees, and control the appropriate booking of specific provisions in accordance with the committee decision and accounting standards

  • Participate as and when required in meetings, seminars, conferences and ongoing or future projects which have a direct or partial impact on CTM activities

  • Participate in the process of knowledge-sharing and cross-training regarding CTM and related processes and systems

  • Where necessary, assist in identifying and contributing to the resolution of booking, system and other technical problems that could have an impact on the management of corporate credit and counterparty risk thereby ensuring the accuracy and completeness of information for all transactions

  • Contribute to the implementation of a common culture and approach within CTM, and promote individual initiative, autonomy and versatility.


  • Experience in the banking/finance sector preferable (2-3 years)
  • Good understanding of Financial products

  • Good understanding of risk concepts and methodologies is preferable

  • Knowledge of credit processes, trade workflows and booking systems is preferable

  • Familiarity with Local regulations

  • Commitment to the role and capacity to meticulously implement the CTM Mission Statement

  • Excellent written and verbal communication skills

  • Written and oral fluency in English and local language is crucial

  • Excellent attention to detail

  • Strong interpersonal and diplomacy skills

  • Good time-management skills

  • Autonomy and capacity to take initiative

  • Capacity to remain objective and independent in order to fulfil the control role required

Please note that only applications submitted in English will be considered.

In case you are selected for this role, further documentation will be requested to support your hiring process.

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