Credit Risk Officer (f/m/d)
Clearstream Services S.A.
Luxembourg, LU
il y a 18h

Field of activity

Group Credit's overriding objective is to ensure that business activities are conducted within a prudent credit risk framework that is consistent with the bank’s credit appetite and in compliance with regulatory and supervisory requirements.

In your position as Credit Analyst you will be mainly responsible for assessing the general creditworthiness of counterparts and collateral issuers (financial institutions, corporates, sovereigns) operating in a variety of mature and growth countries.

As part of the group-wide Credit team, you will provide credit recommendations to management and respond promptly to demands for credit information and advice from the business areas.

Furthermore, you will monitor customers’ exposures targeting maximum settlement efficiency while ensuring that the level of credit risk accepted by Clearstream is in accordance with the bank’s credit policies, underwriting standards and regulatory requirements.

Tasks / responsibilities

  • Conduct credit research and market intelligence in order to acquire sufficient knowledge of the counterparts under your responsibility
  • Assess customer’s credit needs based on historical data and available collateral
  • Prepare counterparts credit reviews and ad-hoc credit assessment.
  • Recommend acceptance of new clients and credit limits
  • Input and maintenance of credit data in the systems of records
  • Monitor credit exposures, authorise purchases of securities and the release of customers’ payments while ensuring adherence to settlement and currency deadlines
  • Work on the maintenance, concepts / design, testing and implementation of new and existing credit tools
  • Contribute to the review, upgrade and development of credit policies, procedures and guidelines
  • Review and assess the impact on the credit business of new regulations and guidelines issued by relevant authorities in Luxembourg, Frankfurt and Singapore
  • Qualifications / required skills

  • University degree in a quantitative discipline (Economics / Finance / Mathematics / Statistics). Msc or equivalent qualification will be considered as advantage
  • Relevant credit risk experience and good knowledge of financial markets and instruments
  • Strong command of MS Access / SQL / VBA / Macros / databases
  • Accuracy, attention to detail, sound knowledge of the systems of records
  • Strong problem-solving skills, comfortable with operational tasks / quick decisions with short deadlines
  • Credibility and drive to present senior management with robust and accurate credit recommendations
  • Ability to work independently and as a part of a team in an international environment
  • Highly motivated and willing to assume additional assignments, including working in shifts
  • Excellent command of English; knowledge of German is an advantage
  • Excellent communication skills and the ability to operate across a number of functions and business areas
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