Depuis mai 2009, BGL BNP Paribas fait partie
du groupe BNP Paribas, leader européen en matière de services bancaires et
Avec BGL BNP Paribas, le Groupe BNP Paribas
est le premier employeur du secteur financier et l’un des plus grands
employeurs du Grand-Duché de Luxembourg.
BGL BNP Paribas
occupe une place de premier plan sur son marché national et étend son rayon
d'action à la Grande Région, englobant les zones frontalières du Luxembourg.
Dans le cadre de nos
activités, nous recherchons, pour une embauche en CDI, un/une :
Credit Structurer – h/f
Structurers are key stakeholders of BEL “Banque des Entreprises au
Luxembourg”, on whom the Bank can rely for their expertise and objectivity in
corporate and SME financing structuring and analysis combining a
risk awareness and a commercial approach.
therefore responsible for:
credit transaction with the RMs
(Relationship Manager) and the clients and providing a critical contribution
to inform credit decisions in credit committees:
appropriate client/transaction information (annual reports, organization chart, web site info,
broker notes, due diligence with RM…) to be able to properly structure,
negotiate and present transactions, optimizing the return within the context
of the global relationship and taking into account the objectives of the bank
term sheets (Facility, borrower,
guarantor, lender, amount, maturity, pricing, financial covenants, security…)
with the RMs, the client and the Legal
Recap of the
SWOT and risk mitigants and
determines what information needs to be further collected to elaborate a credit
offer to the client
meetings – conference call, which are
primarily focused on financial results - business plans – financing discussions
to origination / pitch meetings jointly with the RMs and other business lines.
complete, synthetic and coherent up-to-date memo on the transaction, based on facts, compliant with bank’s guidelines
with the RMs and other parties involved.
quality of the financial
spreadsheet/business plan, the counterparty, financial and sector analysis and
present the transaction analysis.
responsibility for the overall data analysis reliability and coherence,
including financial projections, when necessary.
Credit Proposals with the RM enabling Credit Committee to take an informed
Proposal writing is a collaborative and iterative process between Credit
Structurer and RM’s
his/her expertise, the Credit Structurer discusses transaction issues with the
RM and various stakeholders within the bank. Should fundamental disagreements
arise, the issue can be referred to the hierarchy for guidance through
pre-screening in due time
of relevant information/alert to the appropriate audience in case of major event or material evolution
that could impact portfolio credit quality - joint responsibility of all
stakeholders (notably Relationship Manager, Credit Structurer, Delegation
Holder and Risk).
the consistency of data under their own responsibility.
actively to the quality and integrity of client data, in particular data used
in the credit process for the assessment of a client’s risk parameters or
Alert on any
identified risk, including compliance issues.
global portfolio reports when information is not directly available/reliable or
if a qualitative input is needed.
of the changing methodologies and policies applicable.
information and developing intelligence notably on sectorial knowledge through:
dissemination of sectorial knowledge and industry intelligence.
participation in BEL community (circulation of information, regular update
through interactions with EIS, other analysts and Risk).
continuous improvement initiatives (team, processes…) with active participation in
of a low level of overdue files in coordination with the RMs
management of a trainee / Junior
Education: business schools, university with a major in Finance or economics
/ or similar experience
Professional Experience: 3-5 years corporate credit
Ability to collaborate / Teamwork
Attention to detail / rigor
Ability to deliver / Results driven
Communication skills - oral & written
Transversal Skills :
Ability to anticipate business / strategic evolution
Ability to set up relevant performance indicators
Technical Skills :
of technical finance, accounting,
legal and economic knowledge, as well as credit lines, banking products and
identify, analyze and manage risks
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 23rd 2016 regarding the criminal record.
Primary Location: LuxembourgJob Type: CDIJob: RISQUESEducation Level: Master ou équivalent (> 4 ans)Experience Level: Au moins 3 ansSchedule: Temps plein
Behavioural competency: Capacité à collaborer / travail d'équipe, Capacité à décider, Rigueur, Etre orienté client, Capacité d'adaptation, Capacité à communiquer - à l'oral et par écrit, Capacité d'organisationTransversal competency: Capacité d'analyse