Netherlands Job Openings

RiverBank S.A. Dutch Branch

Senior Corporate Lending Analyst

Schiphol

FULL TIME

October 17, 2024

River Bank’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.
River Bank operates under a full and universal European Banking Licence delivering a one-stop shop approach in the entire EU.
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 team work. River Bank 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 15 nationalities.
Department Profile:
River Bank’s credit department selects, analyses and structures loans brought in through our network of distribution partners (e.g. private equity firms, banks, advisory companies and accountants). Whether you’re interested in fintech, financing SME, B2B distribution or working for a high growth firm, River Bank is the place to be.
The Credit Analyst is responsible for the risk assessment of the credit product including credit analysis, structuring, financial modelling, industry research and negotiation of credit documentation. The Credit Analyst is also responsible for ongoing maintenance of new and existing customers. The aim of the credit team is to build a strong performing portfolio of senior and subordinated loans to SME companies in the Netherlands.
Primary Responsibilities:

Working closely with our origination team
Analysing credit risk incl. financial modelling and reviewing of due diligence and valuations reports
Analysing and structuring senior and subordinated loans in the Netherlands and preparing credit proposals to be presented to the Credit Committee
Attending management meetings
Negotiating the legal documentation together with the legal department
Managing ongoing credit needs of existing relationships
Working with external parties e.g. lawyers, real estate valuators and other relevant market players
Monitoring of an assigned portfolio of clients; in depth client knowledge is essential for adequately identifying early warning signals with the aim of minimizing credit losses
Continuously optimizing credit- and credit-related procedures and processes, risk control and IT systems in order to support River Bank moving forward as a fintech company
Working closely with Risk, Front Office, Back Office and Management to support sustainable and controlled growth of the credit portfolio while providing lending and structural solutions
Signaling market trends and propose new loan products

Skills required:

Degree in Finance, Economics, Business Administration or other related disciplines
Minimum 5 years of experience in a similar role at a bank, private equity or debt fund
Relevant prior experience in credit analysis, having deep credit knowledge with sound numerical skills, cash flow analysis and projections proficiency
Very good knowledge of legal documentation and local relevant law
Excellent relationship and communication skills, knows how to negotiate a deal between stakeholders
Team player, lots of energy, thrives in a fast paced environment
Very organized, effective and efficient, able to prioritize and anticipates business needs
Proactive and politely assertive when dealing with credit risk issues
Self-starting and entrepreneurial spirit
Fluency in Dutch and English

River Bank is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximise their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the communities in which we operate and who reflect a variety of backgrounds, talents, perspectives and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing and advancing individuals based on their skills and talents.
By applying for this position, you consent to the processing of your personal data for recruitment purposes. We have a legitimate interest in using the information you provide for the assessment of your suitability for the role. Your data will be used solely for recruitment and will be retained for a maximum of five years. For more information on how we handle your data and your rights, please see our privacy policy at www.riverbank.eu/regulatory-disclosure.
Job Types: Full-time, Permanent
Application Question(s):

Are you eligible to work in the Netherlands?

Experience:

corporate credit analysis: 5 years (Required)

Language:

Dutch (Required)
English (Required)

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