(Senior) Credit Risk Officer for Corporates
il y a 3 semaines
**This position is based at our Luxembourg headquarters and requires regular office presence. **The EIB offers you the opportunity to live and work in a truly international and multi-cultural environment. We also offer relocation support.
The **EIB**, the European Union's bank, is seeking to recruit for its Group Risk & Compliance Directorate (GR&C),** **Credit & Climate Risk Department (CCRD), Corporates Division (CORP), Infrastructure & Energy/Utilities Unit (IEU), at its headquarters in Luxembourg, a **(Senior) Credit Risk Officer for Corporates**. This is a full-time position at grade 5/6 for which the EIB offers a permanent contract.**
- _internal benchmark: (Senior) Officer Credit Risk Management_
**_ Panel interviews are anticipated for mid-March 2024. _**
**Purpose**:
You will evaluate and monitor the credit risk associated with EIB loan and guarantee transactions, for new and existing, standard and structured/leveraged/subordinated, deals with Corporate counterparts, in accordance with the Bank’s Credit Risk Guidelines (CRG) and GR&C procedures.
**Operating Network**:
Reporting to the Head of Unit and Head of Division, you will work in close cooperation with colleagues both in GR&C and in other Directorates/Departments of the Bank.
**Accountabilities**:
- Assess credit risk, formulate independent opinions and recommendations on new lending proposals, validate counterpart ratings and credit limits, and determine loan grading and risk pricing of these transactions
- Review and validate credit reviews on the existing loan portfolio, as performed by the portfolio monitoring team (internally known as PMM - Portfolio Management and Monitoring)
- Extensively collaborate with EIB colleagues involved in individual loan transactions, providing advice and solutions to structure and mitigate credit risks in leveraged/structured/subordinated transactions
- Review legal documentation from a credit risk standpoint
- Propose security/collateral requirements for new transactions and opine on any credit risk related contractual amendments pertaining to her/his allocated portfolio
- Ensure compliance with limits for counterparts, sectors and specific types of transactions
- Closely follow/anticipate market developments/trends in the sectors pertaining to her/his responsibility and proactively work through her/his portfolio
- Deal with credit risk related enquiries from within the Bank and provide solutions
- Provide guidance to more junior staff in the execution of credit risk processes
- Contribute to improving procedures, support and control systems, IT systems, methodologies and working tools
- Proactively advise and present recommendations on complex credit risk issues and related policy initiatives for credit risk management, aligning the EIB with best banking practices
- Ensure good cooperation with internal colleagues and clients
- Maintain awareness of the latest developments in risk management methodologies and share learning and innovation on the same within GR&C and the Bank.
**Qualifications**:
- Minimum of 5 years of relevant professional experience ideally gained in an international Corporate/Investment Bank/Fund and/or within a rating agency and with a strong expertise in financial analysis/modelling.
- Exposure to corporates in a variety of sectors (industrials, energy, infrastructure and/or utility sectors) and of various sizes would be an advantage
- Relevant exposure to structured transactions including high-yield/sub-investment grade debt and/or subordinated/junior debt financing, and asset-backed operations, would be an asset.
- Experience of Mid-Caps credit risk assessment is preferred.
- Experience of Rating Agencies’ rating criteria and methodologies would be an asset
- Knowledge of risk-pricing techniques, as well as corporate internal rating and recovery models would be an advantage
- Proficiency in reviewing and commenting on loan documentation (including complex legal structures)
- Proven track record in credit risk policy development
- Excellent knowledge of English and/or French (*) with a good command of the other.
**Competencies**:
- Find out more about EIB core competencies _here
- (*)_Unless stated explicitly as a required qualification, a good command of French is not a pre-requisite for hire. As both English and French are however official working languages of the EIB, proficiency in both languages is a pre-requisite for your future career development. Any language clause in your contract must be fulfilled in order for you to be eligible for a promotion (either via the annual appraisal cycle or via an internal selection process). Proficiency is understood to mean the attainment of level 5 of the Inter Institutional language courses, corresponding to B1.2 of the Common European Framework of Reference for Languages (CEFRL). The Bank offers appropriate training support. _
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