Internship - Credit Risk Analyst Team Real Estate & Midcorp (M/F)

Founded in 1856, Banque Internationale à Luxembourg is the oldest multi-business bank in the Grand Duchy. From its foundation, the BIL has always played an active role in the development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on major capital markets. Employing more than 2 000 people, BIL is present in the financial hotspots that are Luxembourg, Switzerland, 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.

Within the Credit Risk department, you will analyze credit requests for Real estate and Midcorp counterparties and conduct their annual reviews. This activity will be performed within the framework of the Bank policies / procedures and the respect of the regulatory environment.
"3 lines of defense" model: Within Risk Management department, you will be part of the second line of defense (alongside Compliance department) which provides rules, policies and guidelines for the first line of defense, i.e. the teams directly working with our bank clients. The third line of defense, through our internal audit team, makes sure that the first two lines are in line with legal requirements of our supervisors and the risk appetite of the Bank.

Your next challenge:

• You identify the risks related to the counterparties and transactions presented and formalize an opinion, aiming at facilitating the decision-making of the competent credit authorities.
• You analyze P&L, balance sheets, current & future cash-flows, business plans and can challenge the company management or front office assumptions.
  
• You work closely with the Front Officers to support them with their credit limit requests.
  
• You ensure the strict application of the credit application of the credit risk procedures and guidelines.

Your skills:

• You have a master's degree in Corporate Finance, Economics or Management (at least the first year of a master's degree must be completed).
• You are fluent in French and English. Knowledge of German is considered as an asset.

• You have a good command of usual working tools (Outlook, Word, Excel (advanced)).
  
• You are rigorous and able to synthesize information with very good writing and analytical skills.
  

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.