RiverBank is a specialised lender dedicated to financing Small and Medium Enterprises (SME) with an initial focus on the Benelux and Germany. RiverBank received a full European Banking License from the European Central Bank in March 2017. Its head office is located in Luxembourg and local branches are to be established shortly.
RiverBank's mission is to combine the best of the Fintech and banking world. As experienced bankers, we commit the bank's balance sheet to grant loans to SME clients which creditworthiness we analyse using a fundamental credit approach. As a Fintech player, we use a network of advisors, banks and accountants to digitally source, process and monitor the loans we originate.
The Senior Credit Analyst is responsible for the risk assessment of the credit product including structuring, analysis, industry research and financial modelling. The Senior Credit Analyst is also responsible in credit structuring, documentation and ongoing maintenance of new and existing customers.
To work closely with our origination team
To analyse and structure senior and subordinated loans in the Netherlands and to prepare a credit approval paper to be presented to Credit Committee
To analyse credit risk, to structure credit products and to do financial modelling
To manage ongoing credit needs of existing relationships.
To attend management meetings
To work with external parties like lawyers, real estate valuators and other relevant market parties
To monitor an assigned portfolio of clients; in depth client knowledge is essential for adequately identifying early warning signals with the aim of minimizing loan losses.
To continuously optimize credit- and credit-related procedures and processes, risk control and IT systems in order to help RiverBank move forward as a Fintech company
To partner with Risk, Front Office, Back Office and Management to support sustainable and controlled growth of the credit portfolio while providing lending and structural solutions.
Qualifications & skills required
Relevant prior experience in credit analysis, having deep credit knowledge with sound numerical skills and Cash flow analysis and projections proficiency
Familiarity with legal documentation
Excellent relationship and communication skills, knows how to negotiate a deal between stakeholders
Team player, lots of energy, thrives in a fast paced environment
Reliably organizes work, works effectively and efficiently, prioritizes work and anticipates business needs
Proactive and politely assertive when dealing with credit risk issues.
Self-starting and entrepreneurial spirit
Fluency in Dutch and English plus one European language would be an advantage
Internal Number: 4889015
About Riverbank SA
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