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Credit Structurer (h/f) in Luxembourg – analyze and structure corporate/SME financing, optimize returns and manage risk.
Collaborate with Relationship Managers, lead credit processes, and contribute to BGL BNP Paribas strategy.
CREDIT STRUCTURER M/F
CONTEXT AND CHALLENGES
Credit Structurers are key stakeholders of Banque des Entreprises Luxembourg, on whom the Bank can rely for their expertise and objectivity in the analysis and structuring of corporate and SME financing while combining a risk awareness and commercial approach.
WHAT’S YOUR DAY-TO-DAY MISSION?
As Credit Structurer, you will be responsible with the Relationship Managers for:
- Gathering appropriate client/transaction/internal information (eg : annual reports, organization chart, broker-sector-rating reports, due diligence memos, budget, treasury plan, business plan, internal memos …)
- Properly structure, negotiate with the client and present in credit committees new transactions and credit annual reviews of existing transactions , with the objectives of optimizing the return and risk management of the bank, within the context of the global client relationship while taking into account the objectives, procedures and risk appetite of the bank, i.e: Analysis of the information received/collected with a primary focus on financial-, rating- and credit analysis, Structuring credit term sheets (determining the adequate facility type, borrower, guarantor, amount, maturity, pricing, financial covenants, security…)
- With the Relationship Managers delivering a complete, synthetic, critical and coherent up-to-date credit memo on the client,/ transaction , based on facts, compliant with the bank’s guidelines and with a summary of the main risks & mitigants enabling credit committee members to take an informed decision ,
- Lead the credit process with Risk colleagues
- Guarantee the quality of the financial spreadsheet/business plan, counterparty, financials, rating, sector and transaction analysis within the bank’s tools
- After the credit committee decisions, participate in the preparation of the legal documentation with the Relationship Managers
Missions are important, but so are the team and the work environment!
Your working environment
Location: Luxembourg/Kirchberg
20 members
Interactions outside the team with other Business/Functions, Executive Committee, BNP Paribas Group
Position eligible for teleworking
Training plan
Manager: Head of Commercial Banking
Benefits of this position?
- Key player in the development of the Luxembourg economy through corporate and SME financing
- Become an Expert in credit transactions
- Be part of a young and dynamic team
- Continuous learning curve opening up career opportunities within BGL BNP Paribas and BNP Paribas Group
ARE YOU OUR FUTURE CREDIT STRUCTUTER?
Professional experience and/or degree
Master degree with professional experience linked to credit analysis / corporate finance Banking / Audit – ideally in the corporate segment
Behavioural & Transversal skills
- Ability to collaborate / Teamwork
- Attention to detail / rigor
- Organizational skills
- Adaptability
- Communication skills - oral & written
- Client focused
- Critical thinking
- Creativity & Innovation / Problem solving
- Ability to Synthetise/Simplify
Technical skills
Capacity to analyse, write and deliver a relevant financial analysis, make recommendation and take positions/opinions Commercial aptitudes
Language skills
Fluent in English and French. German and/or Luxemburgish is considered as a plus.