Credit Structurer (H/F)

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Credit Structurer (H/F)

Corporate Finance

BGL BNP Paribas is one of the largest banks in Luxembourg and part of the BNP Paribas Group. 

It offers an especially wide range of financial products and bancassurance solutions to individuals, professionals, businesses and private banking clients. 

In 2024, BGL BNP Paribas was named “Best Bank in Luxembourg” by Euromoney and in 2025, for the 10th consecutive year, was awarded the “Top Employer Luxembourg” certification, in recognition of the excellent working conditions offered to its employees.

CREDIT STRUCTURER M/F

permanent contract

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.:
  1. Analysis of the information received/collected with a primary focus on financial-, rating- and credit analysis,
  2. Structuring credit term sheets (determining the adequate facility type, borrower, guarantor, amount, maturity, pricing, financial covenants, security…),
  3. 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, 
  4. Lead the credit process with Risk colleagues
  5. Guarantee the quality of the financial spreadsheet/business plan, counterparty, financials, rating, sector and transaction analysis within the bank’s tools
  6. 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
• 7-8 members
• Interactions outside the team with other Business/Functions, Executive Committee, BNP Paribas Group
• Position eligible for teleworking  
• Training plan

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

WORKING WITHIN BNP PARIBAS MEANS:

• Being part of a solid and committed financial group, where everyone has a role to play in making our society more sustainable and can give meaning to their daily professional lives:

Our commitments and actions for clients and society BNP Paribas

• Taking advantage of a wide range of training opportunities to continually develop your skills and prepare you for the professions of tomorrow, in a constantly changing world
• Broadening your horizons and exploring different jobs throughout your professional life, thanks to the diversity of our activities and our dynamic career management
• Preserving your work-life balance thanks to our flexible working hours, two satellite offices near the Belgian and French borders, and remote work options
• Thriving daily in an environment where it’s great to live and work. Listening to the voices of our employees, we are committed to providing a high-quality work environment based on respect, diversity, inclusion, and a spirit of camaraderie.  

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.

During the finalization of the recruitment process, the preselected candidate will be asked to provide us an extract from his/her criminal record dated less than 3 months (record N°3 for Luxembourg), according to the dispositions of the law from July 23 2016 concerning the criminal record.

In a changing world, diversity, equity and inclusion are key values for the well-being and performance of teams. At BNP Paribas, we want to welcome and retain all talents without distinction: this is how, together, we will build the innovative, responsible and sustainable finance of tomorrow.