Senior Credit Risk Analyst Senior Credit Risk Analyst …

Riverbank SA
in Luxembourg, Luxembourg, Luxembourg
Permanent, Full time
Last application, 21 Feb 20
Competitive
Riverbank SA
in Luxembourg, Luxembourg, Luxembourg
Permanent, Full time
Last application, 21 Feb 20
Competitive
Riverbank SA
The Senior Credit Risk Analyst will be involved in all risk related matters of the Bank, among others, participation in the risk committees, review of credit applications, and monitoring of the key risk indicators and metrics of the Bank’s loan portfolio.

RiverBank is a specialised lender dedicated to financing Small and Medium Enterprises with focus on Benelux, Germany and France. RiverBank operates under a full European Banking License allowing to cover all European countries.

RiverBank’s mission is to combine the best of the fintech and banking world. As experienced bankers, we commit the bank's balance sheet to grant loans which we analyse using a fundamental credit approach. As a fintech player, we digitally source, process and monitor the loans. Riverbank is growing fast both organically and through acquisitions.

As a young company, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence and strong team work. RiverBank will offer an entrepreneurial environment within the regulatory banking framework - a place for people to learn, to achieve and grow. Our culture will promote diversity and individual perspectives in an international environment, represented by more than 10 nationalities.

Department Profile

RiverBank’s Risk Department is an important part of the Bank’s second line of defence.  The Risk staff cover the management and monitoring of the credit risk process including the organisation of the risk committees as well as risk analyses, stress testing programmes, the Bank’s ICLAAP and Recovery Plan and other strategic projects.  The Risk Department is also monitoring on an ongoing basis the regulatory requirements issued by the CSSF, the BCL, the EBA, the BCBS, the ECB and the ESMA where relevant in consideration of the Bank’s business model and activities.

 

Responsibilities

  • Present to Credit Committee the internal risk assessment on new deals including limit usage and funding
  • Prepare reports and analytics for ALCO, Watchlist, ExCO and Risk committees and prepare meeting notes
  • Review credit applications (Rating, CPs, Collateral) and ensure completeness and accuracy of risk metrics
  • Ensure all conditions precedents are satisfied prior to loans being disbursed
  • On-going monitoring of loan portfolio covenants and conditions subsequent and annual updates of ratings
  • Ensure documentation of risk policies and methodologies in place and up-to-date
  • Support the Risk Department on general risk and operational risk topics
  • Assist in the specification and development of credit monitoring technology for the loan portfolio
  • Bring fresh ideas on topics generally including data retrieval, credit risk procedures and limit monitoring
  • Work with other teams across the business to ensure existing applications, processes and risk mitigation strategies work to specifications and tolerance levels
  • Other key objectives include helping internal functions (e.g. BMO, Finance, Risk) make decisions that result in more efficient processes, greater client impact and an improved bottom line

Skills and Competencies

  • 5 to 10 years’ experience in Risk Methodology or Credit Risk in a bank
  • Significant generalist broad based risk knowledge
  • Experience of day-to-day business operational procedures
  • Extensive knowledge of Banking (preferably Commercial Banking) and working in a regulated environment
  • Evidence of providing challenge e.g. where business strategy or plans exceeded risk appetite and tolerance
  • Ability to influence and advise senior management on risk e.g. Bank’s exposure relative to limit thresholds
  • Strong analytical, problem solving and data analysis skills
  • High attention to detail, strong organizational skills and ability to multitask
  • Strong written and verbal communication skills
  • Fluency in English required with Dutch, German and/or French language desirable
  • University degree/ professional qualification in finance, mathematics, banking
Company Overview

RiverBank is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximise their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the communities in which we operate and who reflect a variety of backgrounds, talents, perspectives and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing and advancing individuals based on their skills and talents.

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