Depuis mai 2009, BGL BNP Paribas fait partiedu groupe BNP Paribas, leader européen en matière de services bancaires etfinanciers.
Avec BGL BNP Paribas , le Groupe BNP Paribasest le premier employeur du secteur financier et l’un des plus grandsemployeurs du Grand-Duché de Luxembourg.
BGL BNP Paribas occupe une place de premier plan sur son marché national et étend son rayond'action à la Grande Région, englobant les zones frontalières du Luxembourg.
Dans le cadre de nosactivités, nous recherchons, pour une embauche en CDI, un / une :
Credit Structurer h / f
Your mission :
CreditStructurers are key stakeholders of BEL Banque des Entreprises auLuxembourg , on whom the Bank can rely for their expertise and objectivity in corporate and SME financing structuring and analysis combining arisk awareness and a commercial approach .
They aretherefore responsible for :
Structuringcredit transaction with the RMs(Relationship Manager) and the clients and providing a critical contribution to inform credit decisions in credit committees :
Gatheringappropriate client / transaction information (annual reports, organization chart, web site info,broker notes, due diligence with RM ) to be able to properly structure,negotiate and present transactions, optimizing the return within the contextof the global relationship and taking into account the objectives of the bank
Structuringterm sheets (Facility, borrower,guarantor, lender, amount, maturity, pricing, financial covenants, security )with the RMs, the client and the Legal
Recap of theSWOT and risk mitigants anddetermines what information needs to be further collected to elaborate a creditoffer to the client
Attend clientmeetings conference call , which areprimarily focused on financial results - business plans financing discussions
Contributingto origination / pitch meetings jointly with the RMs and other business lines.
Delivering acomplete, synthetic and coherent up-to-date memo on the transaction , based on facts, compliant with bank’s guidelineswith the RMs and other parties involved.
Guarantee thequality of the financialspreadsheet / business plan, the counterparty, financial and sector analysis andpresent the transaction analysis.
Takingresponsibility for the overall data analysis reliability and coherence,including financial projections, when necessary.
CompletingCredit Proposals with the RM enabling Credit Committee to take an informeddecision :
CreditProposal writing is a collaborative and iterative process between CreditStructurer and RM’s
Leveraging onhis / her expertise, the Credit Structurer discusses transaction issues with theRM and various stakeholders within the bank.
Should fundamental disagreementsarise, the issue can be referred to the hierarchy for guidance throughpre-screening in due time
Disseminationof relevant information / alert to the appropriate audience in case of major event or material evolutionthat could impact portfolio credit quality - joint responsibility of allstakeholders (notably Relationship Manager, Credit Structurer, DelegationHolder and Risk).
Guaranteeingthe consistency of data under their own responsibility.
Contributeactively to the quality and integrity of client data, in particular data usedin the credit process for the assessment of a client’s risk parameters orcredit risk
Alert on anyidentified risk, including compliance issues.
Contribute toglobal portfolio reports when information is not directly available / reliable orif a qualitative input is needed.
Keep abreastof the changing methodologies and policies applicable.
Sharinginformation and developing intelligence notably on sectorial knowledge through :
Efficientdissemination of sectorial knowledge and industry intelligence.
Activeparticipation in BEL community (circulation of information, regular updatethrough interactions with EIS, other analysts and Risk).
Contribute tocontinuous improvement initiatives (team, processes ) with active participation indedicated workshops
Maintenanceof a low level of overdue files in coordination with the RMs
Potentialmanagement of a trainee / Junior
Your profile :
Education : business schools, university with a major in Finance or economics / or similar experience
Professional Experience : 3-5 years corporate creditanalysis
Behavioural Skills :
Ability to collaborate / Teamwork
Attention to detail / rigor
Ability to deliver / Results driven
Communication skills - oral & written
Transversal Skills : Analytical Ability
Ability to anticipate business / strategic evolution
Ability to set up relevant performance indicators
Technical Skills :
Good commandof technical finance , accounting,legal and economic knowledge, as well as credit lines, banking products andbusiness lines
Capacity toidentify, analyze and manage risks
Language Skills :
English - German - French / (Luxemburgish isconsidered as a plus)
Duringthe finalization of the recruitment process, the preselected candidate will beasked to provide us an extract from his / her criminal record dated less than 3months (record N 3 for Luxembourg), according to the dispositions of the lawfrom July 23rd 2016 regarding the criminal record.