Credit Portfolio Manager

Description

Founded in 1856, Banque Internationale à Luxembourg (BIL) is the oldest multi-business bank in the Grand Duchy. It has always played an active role in the main stages of development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on financial markets. Employing more than 2,000 people, BIL is present in the financial centres of Luxembourg, Switzerland and China.

**Responsibilities**:
**KEY OBJECTIVES OF THE JOB**
- Provide first line of defence oversight to the constituent credit risks in BIL’s credit portfolio across all business lines (WM & CIB) and different credit asset classes (Corporate & Acquisition financing, Real estate financing, Net Asset Value Credit financing) and handle Agency tasks, where necessary.
- Provide analysis and insight in relation to credit risks across all dimensions (e.g. projects, cash flow, industry, product, rating, valuation, etc.).
- Contribute to credit portfolio analysis and management, providing senior management with relevant insights to key and emerging risks.
- Work closely with the Corporate Finance experts to support the Corporate Finance mandates (including closings) and in the implementation of the strategy for this activity within the Bank.

**DELIVRABLES AND KEY ACTIVITIES**
- Contribute to a regular and proactive monitoring of BIL’s credit portfolio in close interaction with internal (e.g. legal, risk) as well as external stakeholders (e.g. clients, external advisors) during the origination/closing phase and post-closing.
- Manage the entire annual credit review process for each transaction in the scope of the Credit Portfolio Manager. Analyse and explain key metrics, trends, axes of analysis
- Support the Corporate Finance Experts in signings / closings of new transactions
- Analyse the portfolio to give strategic information to BIL’s senior management. Explain variations and highlight strategic information from a business as well as risk point of view. Give a forward-looking view on the portfolio, considering the overall economic and financial market environment
- Present analyses, key findings and recommendations to the appropriate decision-making bodies in order to enable informed decision making
- Monitor the sectoral limit’s consumptions. Anticipate changes by liaising with RISK, LEGAL streams on portfolios’ evolutions (waiver, amendment, etc.)
- Contribute to the transformation of the team´s processes by playing an active role in the context of new projects
- Ensure a robust permanent control framework to deliver reliable and consistent analysis in a timely manner,
- Liaising with external professionals (advisors/banks/debt funds/lawyers, etc.)
- Act as Facility & Security Agent in syndicated financings, being the first point of contact for the borrowers, as well as the lenders.

Must Have Requirements

**REQUIRED KNOWLEDGE AND EXPERIENCE**
- Domain of expertise_

Economics
- Education (orientation)_

Economics/Business management
- Education (required level)_

Master’s degree or equivalent experience
- Languages_

EN, FR, DE, LUX considered as asset
- Knowledge banking techniques_

5 year+ prior experience in corporate finance or structured finance

Strong knowledge and previous exposure to structured finance

Experience in drafting and monitoring contractual documents (LMA standard) for the bank, in particular with regard to mandates and complex loans.

Experience in writing credit reviews
- IT tools_

Good knowledge of basic IT tools (Outlook, Word, Excel, etc.).
- More required knowledge_

Knowledge of the credit risk and Basel regulation within the bank industry - Desirable

Knowledge on credit products (corporate & acquisition financing, real estate financing, et.)

Analytical skills with capacity of data crunching
- More requirements_

Entrepreneurial mindset

Highly motivated, dedicated and willingness to learn combined with outstanding service and client orientation

Self-starter, able to work autonomously and in a team

Precise, attention to detail, organized with a good ability to prioritize and meet tight deadlines

Team player with a high level of initiative and enthusiasm

Excellent analytical skills combined with the ability to quickly understand complex business topics

Excellent communication skills - able to communicate clearly and succinctly, both verbally and in writing