Senior Credit Risk Officer for Corporates

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Description

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• Assess credit risk, formulate independent opinions and recommendations on new lending proposals, validate counterpart ratings and credit limits, and determine loan grading and risk pricing of these transactions
• Review and validate credit reviews on the existing loan portfolio, as performed by the portfolio monitoring team (internally known as PMM – Portfolio Management and Monitoring)
• Extensively collaborate with EIB colleagues involved in individual loan transactions, providing advice and solutions to structure and mitigate credit risks in leveraged/structured/subordinated transactions
• Review legal documentation from a credit risk standpoint
• Propose security/collateral requirements for new transactions and opine on any credit risk related contractual amendments pertaining to her/his allocated portfolio
• Ensure compliance with limits for counterparts, sectors and specific types of transactions
• Closely follow/anticipate market developments/trends in the sectors pertaining to her/his responsibility and proactively work through her/his portfolio
• Deal with credit risk related enquiries from within the Bank and provide solutions
• Provide guidance to more junior staff in the execution of credit risk processes
• Contribute to improving procedures, support and control systems, IT systems, methodologies and working tools
• Proactively advise and present recommendations on complex credit risk issues and related policy initiatives for credit risk management, aligning the EIB with best banking practices
• Ensure good cooperation with internal colleagues and clients
• Maintain awareness of the latest developments in risk management methodologies and share learning and innovation on the same within GR&C and the Bank.

• University degree (minimum an equivalent to a Bachelor), preferably at Masters level, ideally in Finance/Business or any related subject. Recognized financial qualifications, such as the CFA, would be an advantage
• Minimum of 5 years of relevant professional experience ideally gained in an international Corporate/Investment Bank/Fund and/or within a rating agency and with a strong expertise in financial analysis/modelling.
• Exposure to corporates in a variety of sectors (industrials, energy, infrastructure and/or utility sectors) and of various sizes would be an advantage
• Relevant exposure to structured transactions including high-yield/sub-investment grade debt and/or subordinated/junior debt financing, and asset-backed operations, would be an asset.
• Experience of Mid-Caps credit risk assessment is preferred.
• Experience of Rating Agencies’ rating criteria and methodologies would be an asset
• Knowledge of risk-pricing techniques, as well as corporate internal rating and recovery models would be an advantage
• Proficiency in reviewing and commenting on loan documentation (including complex legal structures)
• Proven track record in credit risk policy development
• Excellent knowledge of English and/or French with a good command of the other.

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