Senior Credit Risk Analyst - Real Estate (M / F)

Founded in 1856, Banque Internationale à Luxembourg is the oldest multi-business bank in the Grand Duchy. From its foundation, the BIL has always played an active role in the development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on major capital markets. Employing more than 2 000 people, BIL is present in the financial hotspots that are Luxembourg, Switzerland, and China.

As a major player in Luxembourg's finance industry and as a signatory of the UN Principles of Responsible Banking, BIL is committed to handing over a responsible and sustainable bank to future generations.

Your next challenge :

• Analysing loan applications for commercial customers in terms of credit risk, and conducting an annual follow-up of counterparties and projects in the various segments.
• Identifying the risks inherent to debtors and transactions, and expressing your opinion on which approach to adopt to facilitate the task of the decision-making bodies concerned.
• Analysing balance sheets and current and future cash-flows as well as assessing counterparties' ratings.
• Carrying out valuations of assets used as collateral (mortgages on buildings in the Greater Region or abroad).
• Providing support to the Front Office (assistance with the structuring of loans, credit risk advice, determining the level of collateral).
• Ensuring strict compliance with credit risk procedures and guidelines.

Your skills :

BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.

BIL is firmly of the opinion that diversity & inclusion contribute towards increasing the collective performance of the Bank. We are committed to creating a culture of inclusion that encourages individual development with equal opportunities for all.

NB : The selected candidate will be asked to provide an extract from the criminal record (no.3) as evidence of integrity and justified with regard to the specific needs of the position to be filled. Other documents will be collected, to the extent legally permitted, to perform background checks.