Credit Risk Analyst

RiverBank’s mission is to be the digital bank that makes financing to SMEs and Real Estate professionals easy.

From our offices in Amsterdam, Paris and head-office in Luxemburg, we act as a niche lending specialist. Our core focus is to grant loans to Small and Medium Enterprises and Real Estate Investors in Europe using a fast, flexible and reliable IT platform.

RiverBank operates under a full and universal European Banking License delivering a one-stop shop approach in the entire EU.

As a young company, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence and strong teamwork. RiverBank will offer an entrepreneurial environment within the regulatory banking framework - a place for people to learn, to achieve and grow. Our culture will promote diversity and individual perspectives in an international environment, represented by more than 10 nationalities.

**RiverBank’s Risk Department** is an important part of the Bank’s second line of defence. The Risk staff cover the management and monitoring of the credit risk process including the organisation of the risk committees as well as risk analyses, stress testing programmes, the Bank’s ICLAAP and Recovery Plan and other strategic projects. The Risk Department is also monitoring on an ongoing basis the regulatory requirements issued by the CSSF, the BCL, the EBA, the BCBS, the ECB and the ESMA where relevant in consideration of the Bank’s business model and activities.
- **Primary Responsibilities include**:_
- Produce periodic reports to meet regulatory and prudential requirements, and suggest ways of automating reporting process
- Present to Credit Committee the internal risk assessment on new deals including limit usage and funding
- Prepare Credit Committee minute notes and Engagement Letters based on decisions made
- Ensure all conditions precedent are fulfilled with satisfactory content, prior to loans being disbursed
- On-going monitoring of loan portfolio covenants, conditions subsequent and annual updates of ratings
- Prepare documents for ALCO, Watchlist Committee and Loan Monitoring Committee and meeting notes
- Ensure documentation of risk policies & methodologies in place and up-to-date, initiate changes if required
- Support the Risk Department on general risk and operational risk topics
- Assist in the specification and development of credit monitoring technology for the loan portfolio
- Bring fresh ideas on topics generally including data retrieval, credit risk procedures and limit monitoring
- **Qualification and Experience**:_
- Between 3 and 5 years' experience in corporate credit within a banking environment
- Proven risk culture, ideally with regulatory and prudential considerations (Basel III, Leverage Finance, Forbearance, UTP, RWA, LCR, etc.)
- Evidence of providing challenge e.g. where business strategy or plans exceeded risk appetite and tolerance
- Ability to influence and advise senior management on risk, for example on the bank's exposure in relation to threshold limits
- Strong analytical, problem-solving and data analysis skills
- Strong attention to detail and organisational skills
- Strong written and verbal communication skills
- University degree/professional qualification in finance, banking or management
- Fluency in English required, French desirable, Dutch a plus

**Job Types**: Full-time, Permanent
Status: Cadre

**Experience**:

- credit risk analysis: 3 years (required)

**Language**:

- English (required)

Work Location: Hybrid remote in 75008 Paris 8e