Job Description

About BNP Paribas Group:
BNP Paribas is a top-ranking bank in Europe with an international profile. It operates in 71 countries and has almost 199 000 employees. The Group ranks highly in its three core areas of activity: Domestic Markets and International Financial Services (whose retail banking networks and financial services are grouped together under Retail Banking & Services) and Corporate & Institutional Banking, centred on corporate and institutional clients. The Group helps all of its clients (retail, associations, businesses, SMEs, large corporates and institutional) to implement their projects by providing them with services in financing, investment, savings and protection. In its Corporate & Institutional Banking and International Financial Services activities, BNP Paribas enjoys leading positions in Europe, a strong presence in the Americas and has a solid and fast-growing network in the Asia/Pacific region.

About BNP Paribas India Solutions:

Established in 2005, BNP Paribas India Solutions is a wholly owned subsidiary of BNP Paribas SA, a leading bank in Europe with an international reach. With delivery centers located in Bengaluru, Chennai and Mumbai, we are a 24x7 global delivery center. India Solutions services three business lines: Corporate and Institutional Banking, Investment Solutions and Retail Banking for BNP Paribas across the Group. Driving innovation and growth, we are harnessing the potential of over 6000 employees, to provide support and develop best-in-class solutions.

About Business line/Function :

The Credit Administration team in ISPL is responsible in

• Documentation control to ensure that terms & conditions of Facility Documents conform to credit decision and legal requirement.
• Validate fulfilment of conditions precedent, control limit availability in systems (Atlas II and CAT) in conformity to credit decisions and documentations, follow up on condition subsequent, documents/temporary waiver
• Validate the framework of required covenants in the 'Covenant Manager' tool, against executed credit agreements
• To certify/validate the risk data integrity in risk systems, Atlas II, RGM, CAT, and CRF in conformity with credit decision and of risk data related to Guarantors and guarantee records
• To regularly report and monitor any anomalies in legal documentation and expiry date of legal documentation.
• To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
• Contribute to successful delivery of systems and control reports enhancement with adequate UATs
• Promote and contribute to the implementation of a common culture and approach within CTM, and promote individual initiative, autonomy and versatility

Job Title:

Credit Documentation Officer

Date:

April 2022

Department:

CTM

Location:

Chennai

Business Line / Function:

CIB ITO CLM

Reports to:

(Direct)

Manager

Grade:

(if applicable)

(Functional)

Number of Direct Reports:

Nil

Directorship / Registration:

Position Purpose:

The position is located in ISPL (India) and report to Manager

CTM is responsible for ensure credit approvals and credit reviews are updated/documented in a timely manner.

Responsibilities

• Preparation of credit and security documents in line with the credit approvals

• Documentation control to ensure that terms & conditions of Facility Documents conform to credit decision and legal requirement.
• Validate fulfilment of conditions precedent, control limit availability in systems (Atlas II and CAT) in conformity to credit decisions and documentations, follow up on condition subsequent, documents/temporary waiver
• Validate the framework of required covenants in the 'Covenant Manager' tool, against executed credit agreements
• To certify/validate the risk data integrity in risk systems, Atlas II, RGM, CAT, and CRF in conformity with credit decision and of risk data related to Guarantors and guarantee records
• To regularly report and monitor any anomalies in legal documentation and expiry date of legal documentation.
• To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
• Contribute to successful delivery of systems and control reports enhancement with adequate UATs
• Promote and contribute to the implementation of a common culture and approach within CTM, and promote individual initiative, autonomy and versatility
• After reception of signed legal documents
• In cases where required, prepare additional documents (e.g. registration form for security documents, tenancy consent letter), invoice for set-up fees, memo to relevant department to arrange retrocession payment, etc.
• Collection and follow-up of various fees such as renewal, commitment and upfront fees,.
• Input of the guarantee data in the Received Guarantee Module and keep up to date the data for all credit facilities
• Input covenant framework and testing result in the Covenant Manager tool
• Input required audit financial statement for both customers and guarantors and follow up with Business/ CA to ensure receipt of required audit financial statement

Analyse credit committee decisions and ensure credit review updates are transposed and updated into respective systems. * Ensure control checklists are adequately prepared.

• Monitoring of genuine excess or exceptions for financing metiers products
• Ensure all monitoring and data control Reports (excess, covenants, utilisations, wathclist ETC...) are adequately prepared, tracked and monitored

Data maintenance in the systems for APAC

- Input and update credit risk data in bank accounting system and FX limits based on credit approval output.

- Input and update overdraft rates in bank accounting system based on credit approval output.

- Maintenance of monthly KPI reporting/ dashboard

- Input required audit financial statement for both customers and guarantors and follow up with Business/ CA to ensure receipt of required audit financial statement

Ad-hoc tasks

• Contribute to successful delivery of systems and control reports enhancement with adequate UATs
• Participate and contribute local/regional/global projects
• Contribution to Regulatory/IG audits
• Participate and contribute to BCP

Contributing Responsibilities

• To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
• Promote and contribute to the implementation of a common culture and approach within ITO 3C, and promote individual initiative, autonomy and versatility
• Possess a culture of accountability and discipline for management of credit risk data quality
• Clear understanding of data definition in order to secure the data quality
• Direct contribution to BNPP operational permanent control framework.
• Comply with regulatory requirements and internal guidelines

Technical & Behavioral Competencies

• Good understanding of Financial products for banks/ FIs
• Good understanding of risk concepts and methodologies
• Knowledge of credit processes
• Good understanding of transaction workflows, booking concept and booking system
• Being familiar with local regulations
• Commitment to the role and capacity to meticulously implement the ITO 3C Mission Statement
• Excellent written and verbal communication skills
• Excellent attention to detail
• Strong interpersonal 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

Behavior

• Work under pressure
• Accurate and attention to detail/ rigor
• Committed and Motivated by a strong sense of accountability and care about delivering.
• Team player and Collaborative
• Ability to collaborate/ Teamwork
• Active listening
• Ability to deliver/ results driven

Specific Qualifications (if required)

Degree in Banking & Finance or equivalent qualification in Banking sector with more than 5 years relevant experience in preparation and review of legal credit and security documentation on structured deals, control and monitoring function of corporate credit

Skills Referential

Behavioural Skills: (Please select up to 4 skills)

Attention to detail / rigor

Ability to collaborate / Teamwork

Ability to deliver / Results driven

Creativity & Innovation / Problem solving

Active Listening

Transversal Skills: (Please select up to 5 skills)

Analytical ability

Ability to develop others & improve their skills

Ability to manage / facilitate a meeting, seminar, committee, training...

Ability to develop and adapt a process

Ability to inspire others and generate people's commitment.

Ability to setup relevant performance indicators.

Ability to anticipate business/ strategic evolution.

Qualifications

Experience and Qualifications required

• Minimum 5 years of relevant working experience in preparaton of credit and security documents, credit annual reviews and reporting for Banks / FIs
• Degree holder or equivalent qualification in Banking sector