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

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.

Your Mission:

The Senior Credit Risk Analyst will be responsible for assessing and managing credit risk associated with real estate and mid-corporate clients.

This role involves conducting thorough credit analyses and ensuring compliance with regulatory standards while supporting the bank's growth initiatives in the real estate and corporate lending sectors.

Your Next Challenge:

• Assess loan applications for commercial clients by evaluating credit risk and performing annual reviews of counterparties and projects (ADC and IPRE) across various segments.
• Review financial statements, including balance sheets and projected cash flows, and participate in the assessment of counterparty or Projects ratings.
• Identify and analyze risks related to borrowers and transactions, and provide clear, well‑founded recommendations to support decision‑making bodies.
• Support the Front Office by assisting in loan structuring, advising on credit risk matters, and determining appropriate collateral levels.
• Ensure full compliance with internal credit risk policies, procedures, and regulatory guidelines.

Your Skills & Profile:

• A min. bachelor's degree (BAC+3) or higher in economics, finance, or management.
• Minimum 5 years of experience in credit risk analysis, with a strong focus on real estate and mid-corporate clients within the banking or financial services industry.
• Strong knowledge of loan products, financial instruments, and a solid understanding of the local and neighboring real estate markets.
• Fluency in French and English; knowledge of German is a strong asset.
• Proficiency in common office and analytical tools.

• Strong analytical skills, with proficiency in financial modeling, risk assessment, and credit analysis techniques.
• Excellent knowledge of real estate markets, corporate finance, and credit risk management principles.
• Strong communication and interpersonal skills, with the ability to present complex concepts clearly to diverse audiences.

• Familiarity with regulatory frameworks affecting credit risk in real estate and corporate lending.
• Understanding of the economic factors that impact real estate and corporate credit risk.

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.