Credit Officer
Il y a 1 jour
luxembourg city
Gi Group Luxembourg
Temps plein
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Credit Officer (M/F)
For one of our banking client, we are currently looking for a Credit Officer (M/F) in the framework of a temporary contract until the end of December with possibility of extension.
Tasks:
- Support the Credit team in reviewing and deciding on customer credit requests, ensuring full compliance with internal policies and applicable regulations.
- Gather and review corporate information and financial transactions; analyze company financials and build internal financial models.
- Prepare and assess financial projections, including cash-flow, profitability and vulnerability analysis (ratio analysis and/or stress testing).
- Analyze the client's industry and business environment, key risk drivers and competitive positioning.
- Assess management quality, experience and track record, as well as the overall corporate governance framework.
- Review the client's strategy and identify execution risks.
- Evaluate funding strategy, financial policy, treasury activities (hedging, cash management) and liquidity profile.
- Consider additional risk factors such as country risk, parent and/or government support, and debt structure/seniority.
- Contribute to improving credit standards: best practices, guidelines and procedures.
- Draft credit applications/memos for submission to the relevant credit committees/decision bodies.
- Work closely with all stakeholders involved in the credit process.
Profile :
- Master's degree in Banking, Finance, Accounting or Economics.
- 3-4 years' experience in a similar role in the banking industry.
- Fluent English (written and spoken). Italian is a plus.
- Very good MS Office skills, especially advanced Excel.
- Strong skills in financial analysis, risk assessment and financial modelling.
- Solid ability to read and interpret financial statements.
- Good understanding of international business and financial products; sound finance/accounting knowledge.
- Strong analytical and quantitative mindset.
- Able to manage competing deadlines in a fast-paced environment.
- Strong problem-solving and communication skills.
- Comfortable working independently and as part of a team; strong prioritisation and organisational skills.
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