Credit Structurer
BNP Paribas
Luxembourg
il y a 3j

Since May 2009, BGLBNP Paribas is part of the BNP Paribas Group, European leader in terms ofbanking and financial services.

With BGL BNPParibas , the Group BNP Paribas is the first employer in the financialsector and one of the biggest employers in the Grand Duchy of Luxembourg.

BGL BNP Paribas holds a leading position in its national market and extends itsradius of action to the Greater Region, including the border areas ofLuxembourg.

As part of itsdevelopment, we are looking for a :

Credit Structurer(M / F)

Your mission :

Credit Structurers are key stakeholders of Banque des Entreprisesau Luxembourg, on whom the Bank can rely for their expertise and objectivity in corporate and SME financing structuring and analysis combining a risk awareness and the commercial approach .

As a Credit Structurer, you will be responsible for :

Structuring credittransaction with the RMs and the clients, andproviding a critical contribution to inform credit decisions in creditcommittees

Gathering appropriateclient / transaction information (annual reports,organization chart, web site info, broker notes, due diligence with RM ) to beable to properly structure, negotiate and present transactions, optimizingthe return within the context of the global relationship and taking intoaccount the objectives of the bank

Structuring term sheets (Facility, borrower, guarantor, lender, amount, maturity, pricing,financial covenants, security ) with the RMs, the client and the Legal

Recap of the SWOT and riskmitigants and determines what informationneeds to be further collected to elaborate a credit offer to the client

Attend client meetings conference call , which are primarily focused onfinancial results business plans financing discussions

Contributing to origination / pitch meetings jointly with the RMs and other business lines

Delivering a complete,synthetic and coherent up-to-date memo on the transaction , based on facts, compliant with bank’s guidelines with the RMs andother parties involved

Guarantee the quality of the financial spreadsheet / business plan, the counterparty, financialand sector analysis and present the transaction analysis

Taking responsibility for theoverall data analysis reliability and coherence, including financial projections,when necessary

Completing Credit Proposals withthe RM enabling Credit Committee to take an informed decision :

Credit Proposal writing is a collaborative and iterative process betweenCredit Structurer

Leveraging on his / her expertise, the Credit Structurer discussestransaction issues with the RM and various stakeholders within the bank.

Shouldfundamental disagreements arise, the issue can be referred to the hierarchy forguidance through pre-screening in due time

Other missions :

Dissemination of relevantinformation / alert to the appropriate audience incase of major event or material evolution that could impact portfolio creditquality - joint responsibility of all stakeholders (notably RelationshipManager, Credit Structurer, Delegation Holder and Risk)

Guaranteeing the consistency ofdata under their own responsibility

Contribute actively to the qualityand integrity of client data, in particular data used in the credit process forthe assessment of a client’s risk parameters or credit risk

Alert on any identified risk,including compliance issues

Contribute to global portfolioreports when information is not directly available / reliable or if a qualitativeinput is needed

Keep abreast of the changingmethodologies and policies applicable

Sharing information anddeveloping intelligence notably on sectorial knowledge through :

Efficient dissemination of sectorial knowledge and industryintelligence.

Active participation in BEL community (circulation of information,regular update through interactions with EIS, other analysts and Risk).

Contribute to continuousimprovement initiatives (team, processes ) withactive participation in dedicated workshops

Maintenance of a low level ofoverdue files in coordination with the RMs

Potential management of atrainee / Junior

Advantages of the position :

Daily exposure to multiplestakeholders

Key player in the development ofthe Luxembourg economy through corporate financing

Become a SME ( Subject MatterExpert ) in credit transactions

Be part of a young and dynamicteam

Continuous learning curve openingup career opportunities within BNPP Group

Working environment :

Working in an internationalenvironment with highly specialized colleagues

Continuous development through up-to-datetrainings

Flexible working hours

Adequate Work / Life balance

Your profile :

Education : business schools,university with a major in Finance or economics / or similar experience

ProfessionalExperience : traineeship, VIE and professionalexperience linked to credit analysis / corporate finance / audit ideally in the corporate segment

Complementary traineeship or experience in a company (working in theFinance or Treasury Department, or as an auditor) is considered as a plus

Behavioural Skills :

Ability tocollaborate / Teamwork

Attentionto detail / rigor

Adaptability

Communicationskills - oral & written

Criticalthinking

Creativity& Innovation / Problem solving

Transversal Skills : AnalyticalAbility

AnalyticalAbility

Ability toset up relevant performance indicators

Technical Skills :

Goodcommand of technical finance, accounting, legal and economic knowledge, as wellas credit lines, banking products and business lines

Capacity toanalyze, write and deliver a relevant financial analysis, make recommendationand take position / opinion

Language Skills :

Fluent in English, Frenchand German ; Luxemburgish is considered as a plus.

During thefinalization 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 23 2016 concerning the criminal record.

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