Junior Credit Risk Analyst - Financial Institutions | Risk

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.

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.

The Credit Analyst should:

• Be familiar with due diligence and analysis requirements for counterparties and capital markets products.

• Be able to identify and concisely describe the potential risk(s) and positive attributes of each request, with the ultimate goal being to support the business while avoiding undue risks and credit loss.
• Be proficient in MS Office products including extensive knowledge of MS Excel.
• Have excellent communication (written, oral and listening) and interpersonal skills. Skillful written communication is essential: the ability to convey thoughts clearly and succinctly and to communicate pertinent complex information in a clear and organized manner.
• Have strong analytical and critical thinking abilities
• Be self-motivated with the ability to work independently while also understanding when to involve other team members as needed and to work effectively in a team environment.
• High degree of integrity and strong work ethic.

Essential duties and responsibilities:

The Credit Analyst will be primarily responsible for providing a counterparty assessment on banks, broker/ dealers, Insurance companies; the role will include, but will not be limited to:

• In line with Natixis policies and procedures, prepare written risk opinions and analysis; articulate a convincing case in support of the risk opinion (and rating); and challenge the First Line of Defense analysis/ request when appropriate.
• 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.

• Bachelor’s Degree from an accredited university/college required in Finance, Accounting, Economics or other business-related discipline.  Graduate degree preferred, but not essential.
• Must be fluent (written and oral) in English.
• Fluency in French is beneficial, but not essential.
• Previous experience in a financial institution a plus.

We will only consider English Cv's.

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.