LUX Senior Credit Analyst
Intesa Sanpaolo Bank
Luxembourg, LU Luxembourg, LU
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LUX Senior Credit Analyst

Date : Feb 15, 2019

Location : Luxembourg, LU

Company : Intesa Sanpaolo Group

Intesa Sanpaolo is the banking group leader in Italy. Assisting more than 11,1 milion of retail customers through a network of 4400 branches, it significantly supports the development of Companies and gives an important sustain to the country's growth.

The Group has a selected retail banking presence in Central and Eastern Europe, the Middle East and North Africa, with approximately 1,200 branches and 7.

8 million customers in 12 countries. Intesa Sanpaolo is also present in 29 countries in support of its corporate customers’ cross-

border business. It is looking for new qualify profiles who want to face demanding and challenging career path with the following requirements :

Scope and Purpose

Perform credit analysis as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct and include the following, inter alia :

  • Discussion of the dynamics and nature of the Client's industry, including key risk aspects;
  • Assessment of the Client's competitive positioning within its industry;
  • Discussion of management strength, experience and track record and corporate governance more broadly;
  • Articulation of the Client's strategy and an assessment of its clarity and associated execution risks;
  • Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity
  • Analysis of a current / forward year base forecast performance expectation
  • Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and / or stress testing
  • Discussion of other pertinent risk aspects, including country risk, parental and / or governmental linkage / support, relative ranking of indebtedness
  • Evaluation of risks associated with particular proposed transactions (i.e. Structured Finance / Securitisation, Corporate Finance, Export Finance, Syndicated loans
  • Contribute to the development, improvement, and implementation of best practices, guidelines, procedures
  • Required Experience

  • At least 5 years of related work experience in the Credit analyst role;
  • Required Qualifications, Skills and Knowledge

  • University degree preferably in Finance, Banking, Economics;
  • Highly skilled in Excel, Word, and other word processing software programs
  • Proficient in English, Italian and French is a plus
  • Proven ability to work across cultures and within a dynamic environment
  • Must be very detail-oriented and analytical in nature, with strong problem solving;
  • Have the ability to plan, organize, and structure work independently;
  • Ability to problem - solve and exercise independent judgement while displaying a high degree of initiative
  • Able to hold credible dialogue at all levels of the organization
  • Able to multi-task demands and deadlines
  • Sense of initiative and innovation in proposing solutions
  • Team player
  • Everyone is an asset for our Group and that person could be you! Check out our job opportunities, apply and join our team!

    Apply now

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