Within the RISK Function, RISK Corporate's mission statement is to:

• Ensure the quality of risks taken on Corporate and Institutional Banking (CIB) corporate activities,
• Monitor the risk profile of corporate exposures,
• Lead the Corporate Clients Continuum.

Requirements
Within
RISK Corporate
, the
Senior Credit Officer (SCO)
guarantees, for the portfolio that they follow, 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, they will:

• Concur or not with the Coverage and/or Business Lines Delegation Holders on files presented to Credit Committee, pursuant to an exchange on relevant items,
• Guarantee the conformity of the decisions to the credit and ESG policies as well as the monitoring of the credit portfolio under their responsibility by assessing periodically its risk profile.

In This Role, You Will
On the files under your responsibility, guarantee jointly with Coverage and Business lines teams (and VPG as the case may be):

• 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,
• More specifically on ESG aspects, 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 ESG Assessments are deployed and performed when applicable and that sustainable finance existing guidelines are applied),
• The fair valuation of the credit portfolio, specifically through the provisioning process, but also through the identification of non-performing clients and/or forborne exposures.
• The adequacy of ratings and Loss Given Default (LGD) assigned to corporate clients and exposures, ensuring strong compliance with rating and LGD policies (and ensuring documentation of any deviation).

Guarantee a satisfactory level of risk anticipation and monitoring by:

• Pro-actively identifying deteriorating risks by using external and internal early warning signals and close monitoring of Watchlist files
• Detecting potential threats on the portfolio that falls under your responsibility (sectorial/product/country levels, concentrations…),
• Proposing and performing periodic and targeted portfolio reviews,
• Contributing to RISK Corporate's monitoring exposures framework (i.e., Portfolio Committees, Read-Across, Sectorial Forums…),
• Contributing to Risk & Development Policy Committees (RDPC).

Ensure the drafting of clear minutes for all committees (including WL&DD committees, CDD and portfolio 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.

Ensure the use of the adequate level of delegation (Delegation Holder and RISK representative),

Participate to the satisfactory circulation of information and communication between your RISK colleagues, Business and HO and with the relevant sectorial Risk Officer.

Other Contributions
More at large, you will contribute to a continued strengthening of our overall RISK framework:

• 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 the determination of country envelopes, to the monitoring of the utilizations of these envelopes, and the possible reallocation of these envelopes between the Business lines covered by RISK Corporate,
• To help ensuring 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 validation process for new products or activities covered by RISK Corporate,
• To the application, adaptation, and continuing improvement of the credit decision process,
• To RISK Corporate permanent control framework and to Corporate Clients continuum initiatives,
• Support relevant RISK Global Framework teams for stress-testing, modelling, and reporting exercises on corporate perimeter.

Beyond Credit Risk And ESG Risk, SCOs 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 (ratings, LGDs, country of business, business sector, use of the relevant policies…) and by prompting Business to follow on corrective actions,
• Communicating to RISK ORM CIB any operational risk she/he becomes aware of (potential fraud, breach of security package…).