Credit Portfolio Risk Analyst

In a changing world, unprecedented challenges require unmatched talent. Join one of Montreal's Top Employers in 2025. We are a dynamic and growing organization having its main establishment located in downtown Montreal and part of a leading international banking institution fully committed to building a more sustainable future. Note that the position may be in the Canadian Branch of BNP Paribas or in one of its subsidiaries based in Montreal.

**The position at a glance**

RISK Strategic Governance & Credit Platform” (RISK SGCP) is a transversal team within the Global RISK Function covering all businesses, countries where the Group is established. At the North America regional (NAR) level, RISK SGCP’s main missions are centered on:

- Credit portfolio Analysis and Risk Reporting,
- Data Management,
- Strategic risk analysis, including coordination of Risk forums,
- Risk ID, anticipation and RAS stress testing

Within RISK SGCP, the responsibilities of the “Credit Portfolio Analysis and Risk Reporting” are comprised around below areas:

- Monitor and analyze the evolution of the Bank’s credit risk portfolio for NAR including identification and assessment of the portfolio dynamics over time (including risk appetite metrics, ad-hoc “deep dives”, etc.)
- Production of dashboards and Credit risk information to be communicated to external and internal stakeholders including General Management, Board of Directors, Internal management committees, Regulators, Head Office.
- Key liaison and support for RISK Corporate that includes production of analysis and reports covering their portfolio, KRIs.
- Review and improvement of underlying data contributing to Credit risk and participation to help remediate the issues as needed.
- Contribute to ad hoc projects that enable more efficient ways to analyze and use Credit risk data.

**In detail**
- To produce, analyze and compile credit risk information to serve the needs of internal (Banks’ Board of Directors, Senior Management, CRO, RISK Corporate, Head Office) and external stakeholders (various Supervisors).
- To analyze in close coordination with the Risk practitioners the evolution of the credit portfolio quality, understand its trends and dynamics and contribute to the anticipation of any adverse development being it in a sector, geography, métier, etc.
- To analyze the credit CoR evolution and dynamic incl. performing sensitivity analyses in order to help the Risk practitioners anticipate on the CoR.
- To assist in the building of a comprehensive framework of credit portfolio risk analytics and to deliver to the senior management focused and timely credit portfolio information meant to enlighten decision makers on current and forward-looking credit portfolio risks.
- Contribute to the Bank’s Risk Appetite Framework such as the RAS, the Risk identification for Credit & Counterparty Risks.
- To contribute to topics between Business and RISK when reviewing Business strategies and their impact on the credit and counterparty risk profile, notably in the RAS review, Group Budget and Strat Plan exercises, and to accompany them with relevant information and analysis of credit portfolio risks.
- To contribute to the budgetary and risk identification exercises by providing relevant information and analysis of credit portfolio risks.
- To identify and raise any data quality issues impacting the credit portfolio and help with remediation by working with Data Quality team.
- Contributes to ongoing projects that enhance ways or working.
- Contribute to the Credit Stress Testing and provisioning.

Work conditions: This position provides for standard working conditions in an office and a normal work schedule from Monday to Friday.

**The strengths and skills that will help you succeed**

Bachelor’s in finance or related.

Minimum 1-3 years of experience in Corporate and Institutional Banking sectors.

Good to have a master’s degree in finance or CFA/FRM equivalent.

Good knowledge of credit & counterparty risks.

Good to have technical knowledge like SAS, Python, Power BI (other similar visual tools).

Excellent communication skills, and ability to present comprehensive risk reviews to Senior Management.

Good organization skills to manage under tight deadlines the complexity of processes and the high number of stakeholders to coordinate.

Strong analytical and inquisitive mindset to synthesize large amounts of information in management level presentations.

Ability to contribute to value-added projects on a long-term basis.

Sense of details, accuracy, and presentation without losing the “main picture”.

Commitment to deliver results in line with client’s expectations.

Resilience to heavy workload.

Given the vast majority of our clients, both internal and external, are based outside of Quebec and Canada, specific language requirements may apply. Knowledge of the English is required.

**What’s in it for you**

In addition to competitive compensation, we offer flexible benefits inclu