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RiverBank is a specialized lender dedicated to financing Small and Medium Enterprises and Real Estate firms in the Netherlands, Germany and France. RiverBank operates under a full European Banking License allowing to cover all European countries.
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 which we analyze using a fundamental credit approach. As a fintech player, we digitally source, process and monitor the loans. RiverBank is growing fast both organically and through acquisitions.
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 team work. RiverBank will offer an entrepreneurial environment within the regulatory banking framework - a place for people to learn, to achieve and to grow. Our culture promotes diversity and individual perspectives in an international environment, represented by more than 15 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
Review credit applications (incl. Rating, CPs, Collateral), ensuring completeness and accuracy of risk metrics
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 precedents 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
Work with other teams across the business to ensure existing applications, processes and risk mitigation strategies work to specifications and tolerance levels
Qualification and Experience
At least 5 years' experience in Credit Risk within a banking environment