Credit Risk Officer (Corporate, Public, Infrastructure Division)

Risk Management Directorate (RM) - Credit Risk Department (CRD) - Corporate, Public, Infrastructure Division (CPI) - Industry Unit

The successful candidate will provide credit opinions on proposed operations and follow the credit quality of a highly diversified corporate and public portfolio in accordance with the Bank’s Credit Risk Policy Guidelines (CRPG) and RM/CRD procedures
S/he will contribute to the development and implementation of the Bank’s Credit Risk Policy Guidelines (CRPGs) and RM/CRD procedures to ensure that risks assumed by the Bank are in line with approved policies.

S/he will report to the Head of Unit, and work in close cooperation with the Head of Division and a team of credit officers. S/he will have extensive contacts with colleagues in the Risk Management, Lending, Legal and Projects Directorates as well as, occasionally, with external counterparts.

This post is for a Credit Risk Officer able to work from inception on several operations in parallel, including more complex operations, and able to work autonomously within a short period of time on all aspects of work

• 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 on investment proposals and associated risk pricing
• Validate internal ratings for new counterparts and propose loan gradings for new operations
• Propose and participate in discussions on changes to the Credit Risk Policy Guidelines (CRPG)
• Review risks and mitigating measures in close co-operation with Lending and Legal Directorates
• Give clearance on draft term sheets and/or legal documentation from a credit risk standpoint
• Following signature, prepare closing notes summarising the main credit risk contractual clauses
• Ensure validation of the input of data in databases on guarantees, securities and risk covenants
• Give second opinions on proposed solutions to post signature events, such as contract breaches and restructurings, and on any credit-related changes to contracts in close consultation with other departments
• Validate counterpart ratings and loan gradings throughout loan life
• Propose composition of the Watch List
• Periodically, take lead or participate in sector research and reports
  

• University degree, preferably in finance or business related field
• Post-graduate education in a related field would be an advantage
• Minimum 5 years’ recognised professional experience in banking, particularly in a credit function
• Proficiency in analysing the credit risk of corporate and public entities
• 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 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
  

• Very strong analytical skills and capacity to quickly provide sound judgement on a variety of complex non-routine credit issues
• 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