GROUP BNP PARIBASBNP Paribas Group is the top bank in the European Union and a major international banking establishment. CIBBNP Paribas Corporate & Institutional Banking provides large companies, multinationals and financial institutions with various solutions in the areas of advisory, financing, transactional banking, capital markets, settlement, clearing and custody of securities, asset and fund management services and solutions for corporate issuers. The entity has a network present in 56 countries.ABOUT THE JOBMISSIONWithin 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). Monitor the risk profile of corporate exposures- Lead the Corporate Clients ContinuuRESPONSABILITIESWithin 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 SCOs1, and with the SCOs located in the managing entities2 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 DECISIONSThis 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:1. In general, the Pilot SCO is located in the site responsible for the Business Group called “Responsible Entity” in RMPM.Among these entities in relationship, only one has the status giving the responsibility and the possibility to update counterparty data in RMPM: it is called “managing entity”. 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 Integral Recovery Rates (GRRs) assigned to Corporate clients and exposures, ensuring strong compliance with rating and GRR policies (and ensuring documentation of any deviation);*The redaction of clear minutes for all committees (including local WLⅅ committees), inter-alia clearly stating RISK Corporate opinion as well as the debates with Businesses and/or VPG that might have preceded the file presentation in credit committees*The use of the adequate level of delegation (Delegation Holder and RISK representative);*MORE AT LARGE, TO CONTRIBUTE TO A CONTINUED STRENGTHENING OF OUR OVERALL RISK FRAMEWORK*To the setting up of the general and specific credit policies, through ad-hoc contributions, and to the dissemination of information on the Bank’s desired risk profile to RISK and CIB teams;*To helping ensure that Annual Reviews are performed on a yearly basis, in a timely manner, exerting their influence on Coverage and Business Lines and following up on the calendar of reviews with the aim to respect the 0% past-due target*To the application, adaptation and continuing improvement of the credit decision process;*To RISK Corporate permanent control framework and to Corporate Clients continuum initiatives*Beyond pure credit risk and beyond ESG risk, SCOs MNC are also asked to contribute to data quality and to the monitoring of operational risk:
- Improving data quality via ensuring the accuracy of key risk parameters in minutes (counterparty ratings, GRRs, country of business, business sector, use of the relevant policies, etc.To the continued enhancement of RISK Corporate monitoring and anticipation capabilities i.e.:
- Detect potential threats on the portfolio that falls under his/her responsibility (sectorial/product/country levels, concentrations…)- Languages:English Fluent C1 SKILLSTechnical:Trasversal & Behavioral:

📌 Kreditmanager / Kreditmanagerin (Madrid)
🏢 BNP Paribas
📍 Madrid