In order to support its expansion, Credit Suisse Luxembourg's Credit Risk Management (CRM) department is looking for a Senior Credit Officer.
The CRM department manages the credit risk for a fast growing loan book composed of Private Banking (Lombard and Mortgage Lending), Corporates and Financial Institutions (funds) counterparties.
The successful candidate will cover within the Credit Risk Management team standard and non-standard transactions.
Act as the first point of contact for real estate financings of French based properties (prime residential RE in Paris, French Alps & Cote d’Azur as well as commercial RE)
Perform the analysis and structuring of complex Lombard / Mortgage credits and corporate transactions booked on the Lux platform, i.
e. by providing input on issues such as alternative financing solutions, collateral, facilities required and credit limits admissible according to prevailing credit policies, directives and in line with the risk appetite of the bank.
Make credit decisions or prepare requests for credit decisions by a higher approval level
Provide professional advice and assistance to Relationship Managers for credit related matters and products
Loan administration : Input credit facilities in CRM system, perform limit reviews, assess waiver requests, monitor credit positions under your responsibility, identify risk increases in the portfolio and initiate appropriate measures to minimize them
Liaise with relevant stakeholders within Credit Suisse group such as relationship managers, structuring team, finance / treasury, local management, legal, functional management and other credit risk management teams within the group
University degree or equivalent, preferably in Economics or Finance
Minimum 7 years working experience in corporate or structured securities backed lending and in French mortgages (residential RE, preferably also CRE)
Good understanding of financial products (incl. the French prime residential and commercial real estate market) and sound financial statements analysis skills
Experienced user of MS Office tools, open to new system environments
Good analytical skills, excellent communicator with negotiation skills; hands-on mentality and ability to work independently and systematically, take ownership and be persistent, good risk awareness and solution oriented, demonstrated ability to deal with a large variety of stakeholders and present complex matters to senior management
Fluent in English and in French or German (basic knowledge in the third language would be considered as an asset)