Natixis in Portugal is fully integrated in the global organization of Natixis, a French multinational financial services firm specialized in Asset & Wealth Management, Corporate & Investment Banking, Insurance and Payments. A subsidiary of Groupe BPCE, Natixis counts nearly 16.000 employees across 38 countries.

Based in Porto, Natixis Centre of Expertise mission is to transform traditional banking by developing innovative solutions for the bank’s business, operations and work culture worldwide, as a key driver of the company’s culture of agility and innovation. Teams of IT and Banking Support Activities work in an integrated, inclusive and transversal way, supporting all the business lines and country platforms.

Natixis in Portugal is the best combination of a “start-up mindset” with a large, solid structure. Its unique culture gives true meaning to a “beyond banking” personality: to be a real entrepreneur, self-challenging, ever striving to excel and go that extra mile.

The Credit Risk Analyst position will be part of the Credit Analyst Risk team, which covers all major sectors such as Financial Institutions (banks, insurance companies, pension funds for the Americas), Real Estate, Corporates, etc. 

The 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 (mainly Trading) and the formulation of a written Risk Opinion, which may be presented to Credit Committee.

Essential duties and responsibilities

The Credit Analyst will be responsible for providing analysis for the US, Canadian and Latam companies of the sector she/he will be covering; the role will include, but will not be limited to:

• Prepare written risk opinions and analysis; articulate a convincing case in support of the risk opinion; and challenge the First Line of Defense analysis when appropriate;
• Present to Senior Management and Credit Committees when required;
• Conduct client due diligence calls or visits when appropriate; professionally represent the bank with clients;
• Recommend Credit terms and conditions within Trading Documentation;
• Stay connected with industry trends and macro issues which may impact the portfolio; be able to recommend changes or action impacting specific clients or groups of clients;
• Have a good understanding of the regulatory environment that each of our counterparts operates in.

Be part of the US team in Porto requires to have slightly adjusted schedules; it is expected that analysts work from 11am-8pm Porto time to ensure their full and smooth daily integration in this cross-borders integrated setup.

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 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 understanding when to involve other team members as needed and to work effectively in a team environment.

• Master’s Degree from an accredited university/college required in Finance, Accounting, Economics or other business-related discipline.  
• Fluency in English is mandatory (C1 or C2), Spanish (C1 or C2) is a pre-requisite for some positions covering Latam Markets
• Minimum 3-5 years of previous credit experience that has preferably included the review of trading limits to financial institution counterparties.
• Good Knowledge of Excel.
• Previous experience in a financial institution a plus.

We will only consider English CV's

At Natixis, we are committed to fostering a working environment where each and every one of our people is treated with dignity and respect and where every voice is heard. Our differences make us collectively stronger and are a source of fulfilment, innovation and performance.

In the framework of its Diversity, Equity & Inclusion policy, Natixis in Portugal has implemented a Blind CV Screening process, with the purpose of reducing hiring bias. A blind CV excludes any personal details which refer to the applicant’s gender, age or ethnicity. When applying for our positions, please submit a blind CV, that is, with no picture, name, gender, age, nationality, ethnicity and address. Your personal statement, work experience, courses and certifications, education, skills and contact information is what matters to us.

#MuchMoreThanJustAJob

Early morning. Campo 24 de Agosto. In 4 minutes, you are clocking in at the office. After grabbing a cup of coffee and fresh fruit, pick up your laptop and choose your spot for the day. It's going to be a busy one: French class before lunch and, just after, quick medical appointment at Natixis doctor's office.

Lunch break. Outside in the big terrace (look at your crops at the Urban Garden; ready to harvest!) or, if you feel like stretching your legs, walk downtown to grab lunch.

Back inside. Quick sprint review (working together anywhere means virtual happy birthday to that colleague in Paris that just turned 35). The afternoon went flying (tasks, reports, calls, some jokes with your teammates). End it on a high note: just one PlayStation game or the final match for that ping-pong tournament.

Tomorrow, you complete that certified technical training and the day after, you will work from home, taking advantage to finally do that online course on Udemy. Once you are done with your tasks for the day, you can visit the office for a board games session or show up at the rehearsal of one of Natixis bands. If that is too steady for you, meet your colleagues to surf some waves or join them in a football match.