Senior Credit Risk Officer for Corporates

tendersglobal.net

Job Description

You will evaluate and monitor the credit risk associated with EIB loan and guarantee transactions, for new and existing, standard and structured/leveraged/subordinated, deals with Corporate counterparts, in accordance with the Bank’s Credit Risk Guidelines (CRG) and GR&C procedures.

Operating Network

Reporting to the Head of Unit and Head of Division, you will work in close cooperation with colleagues both in GR&C and in other Directorates/Departments of the Bank.
Accountabilities:
  • 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.
Qualifications:
  • 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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10 months ago

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