Natixis in Portugal is a Centre of Expertise whose mission is to transform traditional banking by developing innovative solutions for the business, operations and work culture of Groupe BPCE worldwide.

Natixis in Portugal is part of the Global Financial Services division, where it applies technology for the development of financial expertise in its two global business lines – Corporate & Investment Banking and Asset & Wealth Management – and, transversally, for the entities of Groupe BPCE.

The Centre of Expertise, based in Porto, currently has more than 2,400 employees from over 30 nationalities, organised in three main departments: Information Technology, Banking Support Activities and Compliance. These teams work in an integrated, inclusive and transversal way, supporting and creating value for all the business lines and platforms of the group. The project in Porto is one of the biggest investments in Human Resources ever made by Groupe BPCE worldwide.

A disruptive mindset and a culture of proximity and agility identify Natixis in Portugal Team and reflect the company's mission to transform traditional banking at a global scale: a perfect match in the Portuguese dynamics and entrepreneurial ecosystem.

In 2024, Top Employers Institute has awarded Natixis in Portugal the Top Employer Portugal accreditation for the second time. This certification recognizes excellence in people practices, following the example of our head office, in France, who was certified Top Employer France for the eight year in a row.

Team presentation and main goal:

The Credit Officer, part of the Client Services unit, will be specifically in charge of supervising and coordinating the credit aspects of the onboarding / renewal requests on behalf of the Front Office [“FO”], with the objective to speed up the onboarding of our new accounts and maximize our profitability with new clients.

Main tasks and goals:

The Credit Officer will be the key point of contact for the Relationship Manager [“RM”], Sales and Clients from an onboarding and annual review perspective.

You will work closely with RMs and Products Sales to pro-actively drive onboarding for the client to ensure all requests are captured, prioritized, and resolved within agreed timeframes. Taking ownership of onboarding problems and resolving onboarding issues.

Prioritization and coordination of new credit requests

• Ensure all credit requests are properly captured and prioritized, in alignment with business development needs;
• Control quality / business rationale of new FO demands (consistency with business strategy / trading capacity, understanding of client requirements etc…);
• Formalize detailed requests and business rationale for credit applications, including expected revenues, prepare business memos for managerial approval;
• Initiate credit workflow with the credit dossier’s creation;
• Coordinate with Credit Risk Department throughout the process, represent Front Office to enable contradictory debates with Risk;
• Maintain detailed tracking of file status to ensure issues that need response are promptly escalated;
• Update the internal tools with new requests for prioritization and follow up purposes.

Coordination of annual credit reviews, credit exposure management

• Work on annual review process;
• Prepare the population due for review and add the population in the planification board at the beginning of each month;
• Conduct meetings with the Risk team to ensure an efficient workflow;
• Work with the Relationship Managers and Product Sales across platform to prepare for the annual renewal of client credit limits, especially Financial Institutions (for Example table limits extract, revenues etc..);
• Initiate credit workflow with the credit dossier’s creation;
• Review and recommend changes, propose reallocations of limit between counterparties of a group when necessary.

Monitoring / Improvement of the onboarding chain

• Prepare performance reports and other various “ad hoc” reports;
• Make recommendations /suggestions to standardize procedures and processes and to introduce new technology or improve the existing one;
• Be a force of proposition to constantly improve client service quality and streamline our processes.

• Bachelor Degree in a relevant area (Management; Economics; Mathematics;...)
• Strong business knowledge, expertise in financial products and associated credit risks
• Fluent English (mandatory) and good level of French is a plus; 
• Strong computer skills especially in Excel, PowerPoint and PowerBI;
• Good understanding of standard legal documentations for OTC derivatives is a plus, especially master agreements (ISDA/CSA, MRA, GMRA, MSLA etc.)
• Strong communication (written and spoken) and presentation skills
• Ability to work in a fast-paced environment 
• Organized, ability to manage multiple tasks/projects and deadlines simultaneously

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. Start your day having breakfast with the Team and grab fresh fruit on the way to your seat, in one of Porto’s most typical neighborhoods. This Purple Day is going to be a busy one: daily meeting ensuring all team members are on the same page regarding work status, priorities and blockers, language class and, just after, a Talent Management meeting with your manager, discussing your career path. 

Lunch break. Today, your Team is onboarding newcomers, but also welcoming French colleagues: the perfect excuse to walk downtown and bond over a francesinha. When returning, inhale nature and peace of mind in Natixis Urban Garden (look at the crops; ready to harvest!). 

Back inside. Brainstorming session on a new, exciting project in our disruptive and immersive Manaus Village. The afternoon went flying (tasks, meetings, some jokes with your teammates). End it on a high note: celebrating cultural diversity with a Diwali, the Indian festival of lights. 

Tomorrow, you attend a conference led by influential speakers in your industry and, the day after, you will work from home, benefitting from some focus time to complete that report and soft skills course on LinkedIn Learning. Once you are done with your work for the day, strike the right note playing with Natixis band or be part of a board games session. If that is too steady for you, meet your colleagues to catch some waves or sail the Douro river during golden hour.