Senior Credit Risk Controller

Il y a 6 mois


Luxembourg Banque de Luxembourg Temps plein

**Type de contrat**:
CDD

**Temps de travail**:
Temps plein

**Activités / Missions**:
Notre service Credit Risk, au sein du département Risk Management, se charge des analyses périodiques, stratégiques et opérationnelles de l'évolution du portefeuille des crédits, du suivi des engagements et de la masse risquée. Il effectue des stress tests et contribue au pricing des crédits intégrant des éléments du risque. Il assure également le suivi des différentes catégories de dépassement (défauts de paiement, couvertures insuffisantes, dépassements de lignes, ).

En tant que Crédit Risk Controller, votre mission consiste à assurer des contrôles permanents et périodiques portant sur tout type de dépassement (impayés sur crédits, manque de sûretés, dépassement de limites, découverts,), et tout type de clientèle et conseiller les parties prenantes pour leur résolution afin de limiter les risques de crédit majeurs tout en veillant au respect des dispositions réglementaires.
- Assurer les contrôles réglementaires relatifs aux crédits sous-performants et non performants, aux crédits restructurés et aux dépréciations afin de garantir que les dossiers respectent la réglementation en vigueur.
- Analyser les portefeuilles des clients afin d'effectuer la validation des transactions sur les comptes nantis et/ou non approvisionnés (Credit check).
- Réaliser les contrôles périodiques en fonction des engagements et des actifs donnés en garantie afin d'assurer un suivi des dépassements.
- Analyser la situation débitrice des crédits sous-performants et non performants afin de décider la validation ou le rejet des provisions selon les seuils définis.
- Analyser les causes des dépassements, suivre la non-couverture des remboursements périodiques des prêts et assister les gestionnaires dans la recherche de solution de régularisation afin de limiter les risques de crédit.
- Participer au développement du Portail de Contrôle Interne en collaboration avec l'équipe « Operational Risk Management », y matérialiser les contrôles et les résultats et suivre la mise en oeuvre des actions correctrices afin de minimiser les risques crédits.
- Identifier les créances douteuses à remonter à la Commission « Masse Risquée » et suivre la mise en oeuvre des actions correctrices par les chargés de clientèle afin de maîtriser les risques crédits.
- Participer au développement et à l'amélioration des processus opérationnels (simplification, automatisation des contrôles, documentation des procédures ) et intervenir en tant qu'expert Métier dans des groupes de travail / projets afin d'améliorer l'efficacité opérationnelle et répondre aux évolutions réglementaires.

**Profil**:

- Vous avez un Master en Economie, Finance avec une spécialisation ou certification dans le domaine des financements ou de la gestion des risques.
- Vous avez 2 à 3 ans d'expérience professionnelle dans une fonction similaire idéalement dans un département Risk Management ou Crédits.
- Vous avez de bonnes connaissances des Crédits (Lombard, prêt MCD, facilité de caisse,).
- Vous avez de bonnes connaissances du cadre règlementaire (IFRS9, Bâle 3, circulaires CSSF) en lien avec la gestion des risques de crédit.
- Vous avez un sens confirmé des responsabilités et du travail en équipe, valeurs essentielles de notre culture d'entreprise et avez de bonnes compétences analytiques.
- Vous parlez couramment le français et l'anglais.



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