Senior Credit Risk Analyst

il y a 4 jours

Luxembourg, Luxembourg BIL Temps plein 80.000 € - 120.000 € par an

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.

Your Mission

 Within the Credit Risk department, you will analyze
credit requests for Corporate and Institutional customers and conduct their
annual reviews. This activity will be performed within the framework of the
Bank policies / procedures and the respect of the regulatory environment.
"3 lines of defence" model: Within Risk Management
department, you will be part of the second line of defence (alongside
Compliance department) which provides rules, policies and guidelines for the
first line of defence, i.e. the teams directly working with our clients. The
third line of defence, through our internal audit team, makes sure that the
first two lines are in line with legal requirements of our supervisors and the
risk appetite of the Bank.

Your next challenge:

  • You assess the risks associated with counterparties and proposed
    transactions, and formulate a clear, well-argued opinion to support
    decision-making by the relevant credit authorities.
  • You demonstrate strong proficiency in analyzing financial
    statements and possess solid knowledge of economics and finance, enabling
    you to produce internal credit ratings.
  • You review profit & loss accounts, balance sheets, cash flow
    projections, and business plans, and are capable of challenging
    assumptions made by company management or the Front Office.
  • You collaborate closely with Front Officers, providing support in
    structuring and preparing comprehensive credit proposals.
  • You draft detailed credit files and can actively participate in
    credit committees to present and defend your risk assessments.
  • You have a sound understanding of IFRS 9 staging principles and
    their practical application.
  • You ensure strict compliance with internal credit risk policies, procedures,
    and regulatory guidelines.

Your skills: 

  • You hold a Master's degree in Corporate Finance, Management, or a
    related field.
  • You have a solid initial experience in credit analysis or in a
    front-office/structuring role within corporate financing.
  • You have a good understanding of banking products tailored to
    Corporate or Institutional clients.
  • You are fluent in both French and English; proficiency in German is
    considered a strong asset.
  • Minimum 5 years of experience in a similar position
  • You are comfortable with standard business tools; familiarity with
    T24, Salesforce, and Microsoft Office Suite is a plus.
  • You are detail-oriented, analytical, and possess excellent writing
    and summarizing skills.
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. Other documents will be collected, to the extent legally permitted, to perform background checks.

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