Banque Internationale à Luxembourg is a leading multi-business bank in the Grand Duchy, operating in retail, private and corporate banking since 1856.
Your Mission
As a Senior Credit Risk Analyst, you will analyze credit requests for Corporate and Institutional customers, conducting annual reviews within the Bank's policies and regulatory framework. This role requires a thorough understanding of credit analysis principles, market trends, and regulatory requirements to ensure compliance with internal credit risk policies and procedures.
The '3 lines of defence' model includes:
* First line: Teams directly working with clients
* Second line: Compliance and Risk Management departments, including yours, which provide rules, policies, and guidelines for the first line
* Third line: Internal audit team ensuring the first two lines comply with legal requirements and the Bank's risk appetite
Key responsibilities:
1. Evaluate risks associated with counterparties and proposed transactions, forming a clear, well-argued opinion to support decision-making
2. Produce internal credit ratings using financial statement analysis and solid knowledge of economics and finance
3. Review profit & loss accounts, balance sheets, cash flow projections, and business plans, challenging assumptions made by company management or the Front Office
4. Collaborate with Front Officers to structure and prepare comprehensive credit proposals
5. Draft detailed credit files and participate in credit committees to present and defend your risk assessments
6. Ensure compliance with internal credit risk policies, procedures, and regulatory guidelines
Requirements:
* Master's degree in Corporate Finance, Management, or a related field
* Initial experience in credit analysis or a front-office/structuring role within corporate financing
* Understanding of banking products tailored to Corporate or Institutional clients
* Fluency in French and English, with German proficiency considered a strong asset
* Comfortable with standard business tools, familiarity with T24, Salesforce, and Microsoft Office Suite a plus
* Detail-oriented, analytical, and excellent writing and summarizing skills
This is an excellent opportunity for a skilled Credit Risk Analyst to take their career to the next level and make a meaningful contribution to our organization.