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Senior Credit Risk Analyst (Retail & SME - Risk CRM Team) (M/F)

Senior Credit Risk Analyst (Retail & SME - Risk CRM Team) (M/F)

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

The Intensive and Specific Management (GIP) unit, dedicated within Credit Risk Management to handling potentially problematic loans and counterparties, helps to reduce credit risk through a proactive approach while attempting to minimize potential losses for the Bank in the event of default.


Your main duties:

1. As the centralizing element of Credit Risk Management, the GIP team is responsible for:

  • effective coordination among the concerned parties by Credit Risk Management including: Relationship Management, Legal Department, Back Offices, Credit Risk Management department and, where appropriate, Compliance;
  • comprehensive monitoring of the cases to be presented, submitted and supervised by the Default Committee, regardless of whether they have been placed on any of the monitoring and/or default lists;
  • effective data management in connection with cases in restructuring before default.


2. In terms of monitoring problematic files for the scope retail and mid corporate, you will be responsible for:

  • preventive detection of (potentially) problematic loans;
  • monitoring of excesses and overdrafts
  • comprehensive monitoring of the relevant counterparties;
  • support (advice) for the Relationship Manager and other internal clients for monitoring loans and interpreting signals received, or full on-going management of the lending relationship as decided by the Default Committee;
  • Negotiating restructuring plan with clients;
  • the development and proposal of appropriate and realistic action plans, e.g., loan restructuring, and in particular lending terms and conditions (term, guarantees, repayment arrangements, etc.) to the decision making bodies (Default Committee);
  • implementation and monitoring of the action plan;
  • preparing supervision lists (Special Mention, Watchlist, NPL, Forbearance);
  • preparing possible transfer to the Relationship Management area or Debt Recovery department.
must have requirements

Your profile:

  • At least four years of higher education/master (BAC+4/5) in economics, management or finance and min. A minimum of 5 years of banking professional experience into the credit sector.
  • FRM certificate (should be a relevant edge).
  • Good knowledge of Basel III , IFRS 9, New definition of default, Non performing and Forborne exposures Regulation.
  • Sound Knowledge of financial instruments and in general of banking products, banking credit activity, risk management techniques and more particularly of Credit Risk management.
  • Good Knowledge of common MS Office Suite. Proficiency using the following software will be considered an asset: Excel (advanced), Visual Basic, Access and Business Objects, SAS.
  • Good communication and writing skills as well as negotiating capacity.
  • Fluent in French and English. German & Luxemburgish will be considered as a strong advantage.
  • Well organized, rigorous and showing synthetical and strong analytical skills (financial statement and corporate engineering competence).
  • Strongly relational and team-oriented.
  • Ability to handle multiple tasks and prioritize accordingly.
  • Positive attitude is essential. Eager to learn and to share.
  • Dynamic and able to work with autonomy.
  • Client-oriented mindset to suggest solution. Capacity to manage conflict and to negotiate.
We offer

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 take on roles in different business areas for the broadest possible experience.

REQUIREDLANGUAGES

To be considered for this position it is crucial that you have knowledge of the following languages
  • Read C1 Advanced
    Write C1 Advanced
    Speak C1 Advanced
  • Read C1 Advanced
    Write C1 Advanced
    Speak C1 Advanced

OPTIONAL LANGUAGES

The following languages are optional but are considered a plus.
  • Read C1 Advanced
    Write C1 Advanced
    Speak C1 Advanced
  • Read C1 Advanced
    Write C1 Advanced
    Speak C1 Advanced
minimum required Education
Required work experience in years
5 or more years
Details
Employment type
Contract type
Hours per week
40
Location
Country
City
Luxembourg
Departments
Risk Management

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