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Senior Credit Risk Analyst (m/f )
Senior Credit Risk Analyst (m/f )Banque Internationale à Luxembourg (BIL) • Merzig, DE
Senior Credit Risk Analyst (m / f )

Senior Credit Risk Analyst (m / f )

Banque Internationale à Luxembourg (BIL) • Merzig, DE
Vor 24 Tagen
Stellenbeschreibung

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.

Main Duties : Data Analysis

  • Collect, process, and analyze credit risk and portfolio data to identify trends, concentrations, emerging risks, and early warning signals.
  • Perform portfolio segmentation and risk driver analysis across counterparties, sectors, and products.
  • Develop and maintain analytical models and metrics to assess credit quality, risk migration, and potential losses.
  • Design, develop, and maintain interactive dashboards and reports to support credit risk monitoring and decision-making.
  • Prepare regular and ad hoc credit risk reports for senior management, credit committees, and regulatory stakeholders.
  • Ensure accuracy, consistency, and timely updates of all credit risk reporting outputs.

Audit and Regulatory Follow-up

  • Coordinate the treatment and monitoring of Internal Audit & Joint Supervisory Team (JST) recommendations related to credit risk.
  • Track remediation actions, milestones, and deliverables, ensuring timely and effective implementation.
  • Set the action plan and coordinate with different stakeholders for implementation.
  • Support the preparation of evidence and documentation required for supervisory follow-ups and reviews.
  • Contribute to the preparation of closing memos, summarizing key findings, risk assessments, and remediation actions.
  • Liaise with Credit Risk, Audit, Compliance, Business & SGO Teams to ensure corrective actions are completed within agreed timelines.
  • Maintain comprehensive tracking tools to support audit and regulatory governance.
  • Credit Risk Activities and Support

  • Support ongoing credit risk processes, including portfolio reviews, credit risk assessments, and stress-testing exercises.
  • Assist in risk reviews, and portfolio deep dives as required.
  • Contribute to the enhancement of credit risk methodologies, policies, and frameworks.
  • Continuous Improvement and Cross-Functional Collaboration

  • Identify opportunities to improve credit risk data quality, analytical processes, and reporting efficiency.
  • Participate in innovation initiatives aimed at automating processes and integrating new analytical tools and techniques.
  • Promote best practices in credit risk analytics and data governance.
  • Work closely with Credit Risk, Audit, Finance, Compliance, and IT teams to ensure consistency and alignment of credit risk data and analysis.
  • Participate in internal committees and meetings to present analyses, highlight key risks, and support data-driven decision-making.
  • Required Skills

    Experience

  • Minimum of 8 years of professional experience as a Data Analyst or Credit Risk Analyst, within the banking or financial services sector.
  • Proven experience in credit risk analysis, portfolio monitoring, or regulatory-driven risk activities.
  • Knowledge in Power BI and Data IQ is considered a strong plus.
  • Technical Skills

  • Strong proficiency in data analysis tools, including advanced Microsoft Excel (complex formulas, pivot tables), Macros and VBA are a plus.
  • knowledge of SQL for data extraction, validation, and analysis (considered a strong advantage).
  • Familiarity with credit risk data architectures, data quality controls, and reporting frameworks.
  • Solid understanding of banking practices and regulatory requirements, particularly those related to credit risk (e.g. supervisory expectations, audit requirements).
  • Analytical Skills

  • Strong ability to analyze large and complex datasets and translate data into actionable credit risk insights.
  • Excellent problem-solving, critical thinking, and analytical reasoning capabilities.
  • Ability to identify risk drivers, trends, and vulnerabilities within credit portfolios.
  • Interpersonal and Organizational Skills

  • Ability to work effectively in a team-oriented, cross-functional environment, interacting with risk, finance, compliance, and business stakeholders.
  • Strong communication skills, with the ability to present complex analyses clearly to both technical and non-technical audiences.
  • Proactive mindset with the ability to solve problems independently and manage multiple priorities.
  • Demonstrated initiative and capability to manage assignments and projects autonomously.
  • Languages

  • Fluent in English and French, both written and spoken.
  • 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.

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