April 4, 2024



  • Standard / Permanent
  • ES-MD-Madrid
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BNP Paribas is an international bank with leading positions in the European market. It is present in 74 countries and employs more than 192,000 people, 146,000 of whom are in Europe. The Group holds key positions in its three main areas of activity: Domestic Markets and International Financial Services (whose retail banking and financial services network is part of Retail Banking & Services), as well as Corporate & Institutional Banking, which offers services to corporate and institutional clients. The Group supports its customers (individuals, entrepreneurs, SMEs, large companies and institutions) to help them carrying out their projects by providing financing, investment, savings and insurance services.

In Europe, the Group has four domestic markets (Belgium, France, Italy and Luxembourg) and BNP Paribas Personal Finance is number one in retail financing in Europe.

BNP Paribas is developing its integrated retail banking model in the Mediterranean countries, Turkey, Eastern Europe and has an important network on the US West Coast. In both its Corporate & Institutional Banking and International Financial Services activities, BNP Paribas has leading positions in Europe, a strong presence in the Americas and a solid and growing network in the Asia-Pacific region.


Within 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). This also applies to ESG risks.
  • Monitor the risk profile of corporate exposures
  • Lead the Corporate Clients continuum initiatives


Within 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:


This 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 The Pilot SCO is the SCO in charge of the Business Group. In general, the Pilot SCO is located in the site responsible for the Business Group called “Responsible Entity” in RMPM.

2 Entities in Relationship are BNP Paribas entities that maintain relationships with counterparties. A counterparty can be in relation with several BNP Paribas entities. 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 Global 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 WL&DD 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);
  • The satisfactory circulation of information with the Pilot SCOs, and with the SCOs located in the managing entities for the MNCs of her/his portfolio,



  • 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.3) and by prompting Business to follow on corrective actions
  • Communicating to RISK ORC CIB any operational risk she/he becomes aware of (potential fraud, breach of security package…)
  • 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…)
  • Contribute to produce dedicated portfolio reviews on Corporate perimeter when requested 3 As defined in the Global Corporate Credit Control Plan (G3CP)


  • At least 3 years of experience in similar profiles
  • English: Fluent
  • Spanish: Intermediate
  • Analytical Ability
  • Attention to detail/rigor
  • Communication skills


  • Training programs, career plans and internal mobility opportunities, national and international thanks to our presence in different countries.
  • Diversity and Inclusion Committee that ensures an inclusive work environment. In recent years, several employee communities have been created to organize diversity and inclusion awareness actions (PRIDE, We Generations and MixCity).
  • Corporate volunteering program (1 Million Hours 2 Help) in which employees can dedicate time out of their working hours to volunteer activities.
  • Flexible compensation plan
  • Hybrid telecommuting model (50%)
  • 31 vacation days

Diversity and Inclusion commitment

BNP Paribas Group in Spain is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity/paternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity. We strive to reflect the society we live in, while keeping with the image of our clients.

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