BIL is a leading player in Luxembourg's financial market. Founded in 1856 as the country's first bank, BIL has contributed significantly to the development of Luxembourg's social and economic landscape. Today, BIL operates across digital banking, wealth management and corporate finance, supporting individuals, entrepreneurs, businesses, and both private and institutional investors. Headquartered in Luxembourg, BIL employs more than 1,800 people and maintains a presence in key financial centers including Luxembourg, Switzerland, France and China.As a major player in Luxembourg's finance industry and as a signatory of the UN Principles of Responsible Banking, BIL is committed to handing over a responsible and sustainable bank to future generations.

Your next challenge:

The Senior Credit Structurer is responsible for assessing and evaluating the feasibility of credit request and providing structuring solutions within acceptable credit /risk parameters, while developing the Bank's lending portfolio in line with the Bank's strategy and risk appetite.

Your will :

• Analyze complex credit requests and develop solutions within acceptable credit/risk parameters.
• Provide the credit rating for requests.
• Ensure credit structuring/granting is aligned with Bank's Risk appetite, limits, policy, and procedures.
• Within the Delegation Authority Framework, decide on credit files.
• Responsible for business development and revenues growth remaining within Bank's Risk Appetite.
• Play a key role in credit approval process and follow up on the implementation of credit files in line with the decision.
• Check the data quality of the credit request (in the systems and in the credit sheet).
• Follow up of the annual revision of customers (GEC) and ratings

Your skills:

• Credit & Financial Instruments expertise (T24 / Globe / Internal Rating Tools / RAROC application)
• Analytical Skills: Strong analytical and problem-solving skills to identify potential risks, assess their impact, and recommend appropriate risk mitigation measures.
• Working either in the Front Office or in credit risk management within the banking industry.
• Expertise in : Credit, Legal, analytical skills, decision taking, Relationship Management
• A bachelor's or master's degree in finance or a related field and / or equivalent professional experience
• Good understanding of credit activities.
• Good understanding of the corporates segment (SME Lux, Large Corp)
• Ability to maintain a balance between marketing and credit risk roles.
• Ability to identify credit opportunities and develop innovative solutions.
• Ability to interact with clients.
• Fluent in English and French.

BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.
BIL is firmly of the opinion that diversity & inclusion contribute towards increasing the collective performance of the Bank. We are committed to creating a culture of inclusion that encourages individual development with equal opportunities for all.

NB: The selected candidate will be asked to provide an extract from the criminal record (no.3) as evidence of integrity and justified with regard to the specific needs of the position to be filled. Other documents will be collected, to the extent legally permitted, to perform background checks.