Credit Risk Officer (Financial Institutions Division)

Reference:RM08WWW04

Business Unit	Risk Management Directorate (RM) - Credit Risk Department (CRD) - Financial Institutions Division (FIN) The successful candidate will provide credit opinions on proposed operations involving exposures to financial institutions and assume responsibility for helping to develop the Bank’s Credit Risk Policy Guidelines and RM/CRD procedures in the relevant areas in line with the Bank’s needs. The Credit Risk Officer will also provide support for operations in the form of Loan Substitutes (e.g. ABS), EIB guarantees, and in respect of EIB SFF and Risk Sharing Finance Facility (RSFF) products.
Responsibilities	Assume responsibility for a large diversified portfolio of loans and counterparts Analyse credit issues of transactions, including credit quality of counterparts and security Prepare independent credit opinions and recommendations on investment proposals and associated risk pricing Propose internal ratings for new counterparts and loan gradings for new operations Propose and participate in discussions on changes to the Credit Risk Policy Guidelines Review risks and mitigating measures in close co-operation with the lending and legal departments Assess legal documentation from a credit risk standpoint and comment on draft terms sheets, finance and security documentation Opine on any credit-related changes to contracts Validate counterpart and internal rating reviews Periodically, take lead or participate in sector research and reports
Qualifications	University degree, preferably in finance or business administration. Post-graduate education would be an advantage Minimum 5 years’ relevant professional experience in banking, particularly in a credit function Proficiency in analysing the credit risk of banks, securitisation structures. Emerging markets experience would be an advantage Experience with credit risk assessment methodologies and rating agency criteria. Knowledge of risk-pricing techniques would be an advantage Proficiency in reviewing complex legal structures Knowledge of the standard computer applications Excellent knowledge of English or French and a good command of the other. Knowledge of other EU languages would be an advantage
Competencies	Very strong analytical skills and capacity to quickly provide sound judgement on a variety of complex non-routine credit issues and provide clear recommendations Strong verbal and written communication skills Confirmed negotiation skills Ability to work within a group and under pressure Capacity to plan and organise his/her work