Senior Credit Risk Analyst

il y a 4 semaines


Luxembourg Canton Luxembourg Banque Internationale à Luxembourg (BIL) Temps plein

Founded in 1856, Banque Internationale à Luxembourg is the oldest multi-business bank in the Grand Duchy. From its foundation, the BIL has always played an active role in the development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on major capital markets. Employing more than 2 000 people, BIL is present in the financial hotspots that are Luxembourg, Switzerland, and China.
As a major player in Luxembourg's finance industry and as a signatory of the UN Principles of Responsible Banking, BIL is committed to handing over a responsible and sustainable bank to future generations.

The Senior Credit Risk Analyst is expected to have the full range of risk assessment competencies such as exposure / collateral analysis and transactions featuring non-standard counterparty types or bespoke credit structures along with Legal, Cross-Border and Reputational Risk considerations.

Your next challenge:

* Identify the risks related to the counterparties and transactions presented and formalize an opinion, aiming at facilitating the decision-making of the competent credit authorities.* Carry out financial analysis of the different counterparties involved in the transaction.* Challenge the company management or front office assumptions through the P&L, balance sheets, current & future cash flows and business plans.* Asses collateralized finance transactions (Lombard) in the HNWI- and UHNWI-segment of the Wealth Management Direction (e.g. single stock lending and risk concentrations across all asset classes and derivatives). * Assign weighting factors (LTVs) to financial assets held in client portfolios.* Ensure the back-up of the Lombards monitoring team through the following of coverage deficits, past-dues and portfolios overconcentration.* Present the files to the Defaults Committee and propose provisioning for problematic files.* Collaborate and interact with cross-functional teams and internal stakeholders such as Relationship Managers, Credit Structuring, Sales and Trading, Legal and Compliance. You work closely with the Front Officers and support them for the structuring of their credit files.* Ensure the application of the credit risk procedures and guidelines. * Be actively involved in wide array of risk-related projects and New Business Initiatives.* Strongly support the team manager and review the Credit risk Analysts assessments.

Your skills:

* Master in Economic Science or Banking & Finance * Min of 5 years of working experience in Credit Risk Management, Lombard Lending or Corporate Banking including sound derivatives knowledge * You are familiar with financial statements and have a good knowledge in economics/finance * Enthusiasm for international Finance and Economic developments and strong interest in capital markets * Distinctive analytical skills matched with confident communication skills interacting with demanding internal stakeholders * High level of motivation, versatility, self-initiative and ability to work as a real team player* Ability to code in Python and VBA should be a definitive edge* CFA or GARP qualification are considered as a plus * Fluent in English and French, other language skills would be an advantage


BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.
BIL is firmly of the opinion that diversity & inclusion contribute towards increasing the collective performance of the Bank. We are committed to creating a culture of inclusion that encourages individual development with equal opportunities for all.

NB: The selected candidate will be asked to provide an extract from the criminal record (no.3) as evidence of integrity and justified with regard to the specific needs of the position to be filled.


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