Position Purpose

1. To advise the bank on risk appetite definition.
2. To report and alert bank management on the status of risks to which the bank is exposed.
3. To contribute to the development and growth of the risk culture within the Group.

Key Responsibilities

Credit Analysis and Structuring: Prepare comprehensive credit proposals in accordance with the Bank’s credit policies and procedures.

• Conduct thorough analysis of financial statements and assess credit requests, including: New, Amendments and Annual Review proposals.
• Perform credit risk analysis on counterparties and specific transactions, including assessment of repayment capacity.
• Develop financial models and analytical tools (e.g. cash flow projections) to support credit assessments.
• Provide clear, well-supported credit recommendations based on risk analysis.
• Present credit analysis, findings, and recommendations to the relevant credit committees, with particular focus on credit risks and repayment capacity.

Transaction & Portfolio Management

• Reconcile credit files and approvals, identify discrepancies or variances, and take appropriate follow-up actions.
• Initiate and coordinate with other business lines and functions (e.g. Fixed Income, Syndication, Project Finance, Portfolio Management) to obtain required concurrences in line with credit procedures.
• Support account strategy development in close collaboration with Relationship Managers (RMs).
• Engage regularly with business lines to clarify information requirements and agree on credit structuring and presentation strategies.
• Participate in client meetings or site visits jointly with Relationship Managers, when required, to enhance understanding of the credit context.
• Perform interim financial reviews and utilization reviews in accordance with approved conditions.

Account Monitoring & Risk Control

• Assist Relationship Managers in ongoing account monitoring activities.
• Promptly report any material deterioration in clients’ financial conditions or adverse news to Relationship Managers and Risk Officers.
• Monitor compliance with financial covenants and other undertakings on a regular basis and ensure timely input of results into relevant systems.
• Ensure strict compliance with regulatory requirements, internal policies, and risk management guidelines.

Credit Administration

• Perform administrative duties for credit files under management, including: 
• Preparation of authorization tickets, group positions, and credit summaries.
• Ensuring proper and timely filing in shared drives and internal systems.
• Coordinating with Relationship Managers to initiate credit file renewals ahead of maturity or designated review dates.
• Maintaining and updating work-in-progress tracking.

Ad-hoc & Project Support

• Support transversal projects or provide backup to other Credit Analysts as assigned by the Team Head.
• Prepare ad-hoc reports or updates requested by Regional Management or Head Office.
• Contribute actively to internal control, risk mitigation, and process improvement initiatives.

Coordination with Regional counterparties

• To coordinate with Regional Monitoring team to handling/follow up the trade level approval and limit/collateral management. 
• To coordinate with Regional Credit Admin team to handle credit documentation preparation and receipt. 
• To assist the control of the loan agreements and trade level documents and its deficiency.

Responsibility and contribution to control aspects, including: 

• Direct contribution to BNPP operational permanent control framework. 
• Contribute to the implementation of operational permanent control policies and procedures in day-to-day business activities, such as Control Plan
• Comply with regulatory requirements and internal guidelines
• Contribute to the reporting of all incidents according to the Incident Management System

Competencies (Technical / Behavioural)

• High sense of responsibility & teamwork spirit.
• Strong credit analytical skills and comprehensive knowledge of the Taiwan market, its participants, and credit & trading products.
• Strong organizational and coordinating ability.
• Strong written and verbal communication skills to firmly and confidently express credit decision and opinions.
• Ability to react to stressful situations with professionalism while remaining calm.

Specific Qualifications Required

• Bachelor’s Degree in Business Administration, Accounting, Finance, Economics, or equivalent experience.
• Minimum of 10 years working experience in financial institutions with a minimum 3 years in a credit analysis and structuring role (credit trained).

About BNP PARIBAS

As the leading European Union bank, and one of the world’s largest financial institutions with an uninterrupted presence in the region since 1860, BNP Paribas offers a wide range of financial services for corporate, institutional and private investors spanning corporate and institutional banking, wealth management, asset management and insurance. 

We passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued and encourage applicants of all backgrounds, including diversity of origin, age, gender, sexual orientation, gender identity, religion applicants who may be living with a disability. We have a number of internal employee networks in place to empower our staff to act and challenge the status quo.

•    BNP Paribas PRIDE is highly active in favour of the LGBTQIA+ community

•    BNP Paribas MixCity which fosters better representation of women at all levels of the organization

•    Ability, the mutual aid network for employees with a disability or a disabling or chronic illness

•    BNP Paribas CulturAll which celebrates diverse backgrounds

BNP is committed to financing a carbon-neutral economy by 2050. The Group is a founding member of the Net-Zero Banking Alliance and has set up its own Low Carbon Transition Group to support its clients through their energy transitions.

https://careers.apac.bnpparibas/

More information 

BNP Paribas – Diversity & Inclusion Journey 

BNP Paribas – The Bank Of Green Changes

Award Obtained

BNPP has won Top employer Europe award in a 10th consecutive year

1. 協助部門相關作業及擔任部門法遵、內稽內控、風險管理及資安控管等窗口，確保符合公司及主管機關之規定要求。

2. 建立及監督FBO作業流程，確保作業品質達到績效目標

3. 確保各項作業有例行的監督，降低執行面之作業風險

4. 改善工作成效及提升客戶滿意度且注意各項作業均在合理成本下有效執行

5. 鼓勵團隊合作並提升同仁對部門之向心力及工作熱情

6. 配合執行法令或集團內對防制洗錢及打擊資恐、國際制裁及禁運、資訊安全與個人資料保護之要求。

7. 協助部門內外相關行政庶務及特殊狀況處理，致力達成公司目標及超越內外部顧客期望。

8. 協助部門內外相關行政庶務及特殊狀況處理及其他主管交辦事項。

1. 負責各通路佣金及獎勵且於約定時間內結算及付款

2. 提供各通路所需之傳輸資料及獎勵進度報表

3. 系統需求提列及測試

4. 支援通路或業務單位臨時性報表

5. 其他主管交辦事項。

     * Support and back up senior EQD sales members in client coverage and trade execution when necessary, including pricing via internal pricing model / MTM request / client inquiries / market update / etc.

What is this position about?

To manage Taiwan market cash equity/security lending and borrowing/futures business settlement process 

What would your typical day at BNPP Paribas look like? 

Primary Role Responsibilities

1. Handle day-to day activities in KYC/Trading support/AC opening /Security lending and borrowing/Futures process
2. Contact with local custodian banks for account process and settlement
3. Timely and quality completion of BAU and ad-hoc assignments
4. Accurately define problem and generate options

Other contributions

1. Direct contribution to BNP Paribas operational permanent control framework
2. Key team player is a MUST, required to be Pro-active and Collaborate within the team
3. Being effective to present and connect between Regional and local for information exchange, key message receipt & delivery
4. Understand Business requirements and need
5. Being autonomy and pro-active to propose solution and process improvement

What is required for you to succeed?

1. Fluent in English communication
2. Strong Excel/Word/PowerPoint PC skills with proven ability to work with multiple systems
3. Work Experience:3 years
4. Broker and Futures and SLAB licenses applicable

About BNP PARIBAS

As the leading European Union bank, and one of the world’s largest financial institutions with an uninterrupted presence in the region since 1860, BNP Paribas offers a wide range of financial services for corporate, institutional and private investors spanning corporate and institutional banking, wealth management, asset management and insurance. 

We passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued and encourage applicants of all backgrounds, including diversity of origin, age, gender, sexual orientation, gender identity, religion applicants who may be living with a disability. We have a number of internal employee networks in place to empower our staff to act and challenge the status quo.

•    BNP Paribas PRIDE is highly active in favour of the LGBTQIA+ community

•    BNP Paribas MixCity which fosters better representation of women at all levels of the organization

•    Ability, the mutual aid network for employees with a disability or a disabling or chronic illness

•    BNP Paribas CulturAll which celebrates diverse backgrounds

BNP is committed to financing a carbon-neutral economy by 2050. The Group is a founding member of the Net-Zero Banking Alliance and has set up its own Low Carbon Transition Group to support its clients through their energy transitions.

https://careers.apac.bnpparibas/

More information 

BNP Paribas – Diversity & Inclusion Journey 

BNP Paribas – The Bank Of Green Changes 

Award Obtained

BNPP has won Top employer Europe award in a 10th consecutive year

其他條件：
1. 一年以上金融保險相關經驗。 

2. 有保險公司或保管銀行或投信投顧相關金融經驗者尤佳。 

3. 具責任感且能即時反應問題。 

4. 擁有耐心及細心的個人特質。 

5. 具備良好的抗壓性，能化壓力為助力。 

6. 熟MS Office作業系統Word、Excel、PowerPoint。 

7. 中打40字/分鐘、英打30字/分鐘。

1. Analyzing and exploring data to extract meaningful insights.

2. Developing predictive models using supervised learning techniques, such as classification, regression, and forecasting. For example, predicting client intent by analyzing email content.

3. Building models to identify underlying patterns through unsupervised learning techniques, including clustering and dimensionality reduction; for instance, identifying client peer groups.

4. Maintaining a critical perspective and demonstrating the ability to challenge existing methodologies.

5. Assessing the needs of internal stakeholders to address operational and strategic requirements in complex data analysis projects.

6. Addressing business challenges by analyzing both internal and external data sources.

7. Establishing and refining data analysis models to ensure optimal performance.

8. Demonstrating a commitment to staying informed on developments.

9. Other ad-hoc supports request by manager. 

職務說明

負責資金規劃、運用及控管，確保資金安全並提升資金使用效率。

Responsible for the planning, utilization, and monitoring of funds to ensure their safety and enhance the efficiency of fund usage.

1. 每日資金調度及DMA交易對帳。

     Daily fund transfer and DMA trading reconciliation.

2. 一般帳戶及區隔資產帳戶之資金管理及相關報表提供。

     Fund management for general account and segregated account, and provide relevant reports.

3. 每日/月底銀行對帳單提供及彙總。

     Prepare and summarize daily/monthly statements. 

4. 系統需求測試及作業流程自動化。

     System testing and workflow automation.

5. 各項查核資料準備。

     Preparation of various audit materials.

6. 其他主管交辦事項。

     Other maters assigned by the supervisor.

人才條件

1. 工作態度積極主動、學習能力佳、反應快、做事敏捷及細心

 Proactive working attitude, good learning skill, quick response, agile and careful.

2. 擅長跨部門溝通與協調、重視團隊合作

Good at cross-department communication and coordination, pay attetion to teamwork.

 3. 5年(含)以上金融業財務相關，保險業財會經驗尤佳；或有在任何產業之資金調度、銀行往來相關經驗。

More than 5 years (inclusive) of financial related experience in the financial industry, preferably in insurance industry; or fund management, and bank relationship management experience in any industry.

1.策略規劃作業流程管理,協助管理階層進行策略規劃管理循環

2.內外部環境資料蒐集整理分析,搜尋及整理策略業務相關最佳實務或案例分享

3.製作公司策略計畫簡報文件暨相關補充資料

4.經營管理會議行政支持

5.負責公司策略經營關鍵指標(KPIs)管理作業

6.擔任內部綜合企劃相關業務聯絡窗口, 擔任區域管理辦公室(regional office)聯繫溝通協調窗口

7.其他主管交辦事項。

1.Support & manage corporate-level strategy planning processes

2.Support internal/external environment scan data gathering and analysis, data search for best practices or case study 

3.Develop strategy plan deck and/or supporting documentation

4.Account for administrative support for corporate-level managerial meetings

5.Account for company level strategic KPIs management

6.Liaison with local and regional key stakeholders

7. Other maters assigned by the supervisor.

1. 需具備5年以上本土人壽保險經驗

2. 需具備3年以上企業規劃、策略規劃、KPI管理或專案管理經驗

3. 擁有國際公司工作經驗者優先

4. 精通商業簡報製作

5. 精通企業KPI管理

1.    5+ yr Taiwan Life insurance background required

2.    3+ yr experiences in Corporate Planning, strategy planning, KPIs management, or project management

3.    Possess working experience in international companies preferred

4.    Expertise in business presentation deck development

5.    Expertise in corporate KPIs management

職務說明：

1.參與並協助單位各項事務。

2.確保各項作業及提供服務的品質及正確性。

3.其他主管交辦事項。

人才條件：

1. 大三、大四或碩士在學學生

2. 可於暑期或學期間，配合每周實習 2~5天

3. 具英文能力者尤佳

4. 竭誠歡迎保險/統計數理/財務/精算/資訊相關科系同學申請

本學年實習計劃單位如下: Risk Management, POS, Customer Service-Call Center, Finance, Actuary, Insurance Consultant, Sales Training, Product Marketing

如有意願申請者，歡迎直接投遞並註明想申請的單位排序， 謝謝!

各單位實習內容也公布於公司104招募平台， 詳情可至以下網址查閱: https://www.104.com.tw/company/7e6hi08?jobsource=google