Credit Analyst

il y a 5 jours

Luxembourg Bank of China Luxembourg Temps plein

**Company Description**

As a Luxembourg-based bank since 1979, together with the global presence of Bank of China Group, Bank of China Luxembourg Branch has been successfully operating and continuously developing its business over the years. It contributes to the local and worldwide economic and social development. With more than 45 years of expertise and experience in the European markets, the bank extended its roots covering 15 institutions located in 13 European countries and becoming Bank of China Europe, since 2022.

Bank of China Europe adheres to the guidance of Bank of China group and continues to grow and expand its business coverage across the world, offering comprehensive business solutions to its clients worldwide with its globalized operations and diversified platforms.

Today, Bank of China Europe comprises an international workforce with a multicultural background of more than 30 different countries and regions with over 600 employees.

As our operations continue to grow, we are currently looking for a talented and motivated professional to join our team as:
**Credit Analyst - Corporate and Financial Clients**

**About the Role**

We are seeking a highly motivated and detail-oriented **Credit Analyst** to join our Risk Management Division. In this role, you will play a critical part in safeguarding the bank’s credit portfolio by independently assessing the creditworthiness of corporate clients and evaluating business proposals submitted from the business lines.

This is an exciting opportunity for a dynamic professional who thrives on analyzing complex financials, identifying risks, and providing sound recommendations that balance growth with risk appetite.

**Your Key Responsibilities**

As a Credit Analyst, you will:

- **Conduct financial analysis and credit risk assessments** of corporate clients, reviewing balance sheets, income statements, cash flows, and forecasts.
- **Prepare Credit Analysis Reports and assign Risk Ratings**, ensuring recommendations are backed by thorough due diligence, industry expertise, and sound judgment.
- **Continuously monitor the assigned portfolio**, staying abreast of industry trends, emerging risks, and potential impacts to counterparties, with timely escalation of credit concerns.
- Collaborate with relationship managers and risk colleagues to ensure alignment with internal risk policies, regulatory frameworks, and the bank’s risk appetite.

**Qualifications**
**What We’re Looking For**

Technical Skills & Qualifications

- Master’s degree in finance, Accounting, Economics, or a related field.
- Strong understanding of **risk policies, regulatory frameworks, and banking products**.
- Previous **experience in banking or financial services** is an advantage.
- Advanced proficiency in **Excel and financial modelling**.
- Fluent in **English**; proficiency in **Chinese** will be an additional advantage.

Soft Skills & Attributes

- Excellent **analytical and problem-solving skills**, with the ability to see beyond the numbers.
- Strong **communication and presentation abilities**, both written and verbal.
- Ability to work effectively under pressure and deliver within tight deadlines.
- A proactive **team player**, keen to contribute in a collaborative environment.

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