Real Estate Credit Risk Team Leader (M/F)

  • Competitive
  • Luxembourg
  • Permanent, Full time
  • BIL - Banque Internationale à Luxembourg
  • 07 Aug 17

Real Estate Credit Risk Team Leader (M/F)

La Banque Internationale à Luxembourg est la plus ancienne Banque de la place financière luxembourgeoise. Fondée en 1856, la BIL est un acteur clé des métiers de Banque Commerciale, de Banque Privée, de Banque d'Entreprise et de Salle des Marchés. Ces métiers s'appuient sur d'importantes fonctions Support et sur nos Services Opérationnels.


Our Risk Department is currently looking for a
Real Estate Credit Risk Team Leader
(M/F)
Main tasks:
 
• Analysing loan applications for commercial and private banking  customers in terms of credit risk, and conducting an annual follow-up of counterparties and projects in the various segments.
• Keeping up-to-date on legal and tax matters as well as structuring in the case of complex loans.
• Validating analysis carried out by the real estate credit risk analysts.
• 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' Basel 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).
• Monitoring the development and maintenance of credit risk management tools to enable a coherent  overview of real estate credit risk within the BIL group.
• Ensuring strict compliance with credit risk procedures and guidelines.
• Manage a team of 3 analysts


Profile:

Profile:
 
• At least four years of higher education (BAC+4) in economics, management or finance and at least 5 years of professional experience as credit risk analyst working for the real estate sector.
• Fluent French and a perfect command of English. Knowledge of German is considered an advantage.
• Sound knowledge of loans and financial instruments as well as of local and neighbouring real estate markets.
• Proficient user of common office automation tools. Proficiency using the following software will be considered an asset: Excel (advanced), Visual Basic, Access and Business Objects.
• Familiar with Basel II Rating Tools.
• A good insight into the real estate market in Luxembourg & Grande Région (I would put more emphasis on this point)
• Demonstrated ability to work closely with front office & sales teams in order to find workable solutions that enable both to grow the business and protect the bank.
• An experience in team management is a plus