To provide the support needed to local Coverage teams linked to the credit process and operational risk management.
To establish a permanent dialogue with the Senior Bankers and their Relationship Managers, for the efficient and proactive management of the global set of limits covered by local Coverage teams, including: Credit authorisation origination Scarce resource allocation among clients Client periodic credit reviews and profitability reviews
Key Responsibilities To analyse the requests received from the business lines and the network, in co-ordination with Coverage, based on: The business opportunity and the profitability of the relationship, and The impact on the global set of limits
To formalise the Coverage and the Business Lines’ credit requests, providing to the Credit Analysis team (i.e. RPC, as defined internally) as well as Management: A detailed description and background explanation on the proposed transaction, including its liquidity consumption A presentation of the ex ante PI calculation provided by the Business Line A presentation of the global set of the Group limits, its utilization and the changes requested A presentation of the global profitability of the relationship A general presentation of the counterparty and its group; the last significant changes since last credit review, and budget/forecast of the Coverage team on the relationship
Creation in Credit Limit Management System (Phidias) and sending of the formal request to RPC through Phidias Creation and signing of the proposed credit limits (in Eurecca) through Phidias Sending to the risk department (RPC) the financial documents received from clients
To maintain the credit process efficiency: Keep regular contacts with the Business Lines (i.e. specific product teams known internally as ITB, GMD etc.) Collect the Business Lines’ supports (for e.g. CLF Transaction Request, ITB BusCom…), the Sector support, the Net Zero simulator and the opinion of the parent coverage unit/ primary coverage officer Preparation of the CSR and Compliance grids Initiate CARE requests to obtain Financial Security opinions (when necessary) Co-ordinate the sending of the full Front Office pack to RPC and GCO With the network for providing support to all MNCs credit requests on local group Clients Assist with Business Opportunity Memorandum (BOM) submission when necessary Preparation and co-ordination of Latitude de Gestion (local delegation) applications and utilisation of Chef de File Reserve. Submission of relevant credit applications to credit committees (local and HO) in a timely fashion, while assisting in navigating complexity with a constructive approach
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To establish a permanent dialogue with the Senior Bankers and their Relationship Managers, for the efficient and proactive management of the global set of limits covered by local Coverage teams, including: Credit authorisation origination Scarce resource allocation among clients Client periodic credit reviews and profitability reviews
Key Responsibilities To analyse the requests received from the business lines and the network, in co-ordination with Coverage, based on: The business opportunity and the profitability of the relationship, and The impact on the global set of limits
To formalise the Coverage and the Business Lines’ credit requests, providing to the Credit Analysis team (i.e. RPC, as defined internally) as well as Management: A detailed description and background explanation on the proposed transaction, including its liquidity consumption A presentation of the ex ante PI calculation provided by the Business Line A presentation of the global set of the Group limits, its utilization and the changes requested A presentation of the global profitability of the relationship A general presentation of the counterparty and its group; the last significant changes since last credit review, and budget/forecast of the Coverage team on the relationship
Creation in Credit Limit Management System (Phidias) and sending of the formal request to RPC through Phidias Creation and signing of the proposed credit limits (in Eurecca) through Phidias Sending to the risk department (RPC) the financial documents received from clients
To maintain the credit process efficiency: Keep regular contacts with the Business Lines (i.e. specific product teams known internally as ITB, GMD etc.) Collect the Business Lines’ supports (for e.g. CLF Transaction Request, ITB BusCom…), the Sector support, the Net Zero simulator and the opinion of the parent coverage unit/ primary coverage officer Preparation of the CSR and Compliance grids Initiate CARE requests to obtain Financial Security opinions (when necessary) Co-ordinate the sending of the full Front Office pack to RPC and GCO With the network for providing support to all MNCs credit requests on local group Clients Assist with Business Opportunity Memorandum (BOM) submission when necessary Preparation and co-ordination of Latitude de Gestion (local delegation) applications and utilisation of Chef de File Reserve. Submission of relevant credit applications to credit committees (local and HO) in a timely fashion, while assisting in navigating complexity with a constructive approach
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