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Clearstream Services S.A.
With more than €14 trillion in assets under custody, Clearstream is one of the world’s largest settlement and custody firms for domestic and international securities. Clearstream ensures that cash and securities are promptly and effectively traded between market participants and that its customers are always notified of the rights and obligations attached to the securities they keep under its custody. Additionally, Clearstream provides services for investment funds, collateral management and securities lending.
Field of activity
Group Credit`s overriding objective is to ensure that business activities are conducted within a prudent credit risk framework that is consistent with the bank’s credit appetite and in compliance with regulatory and supervisory requirements.
In your position as Credit Analyst you will be mainly responsible for assessing the general creditworthiness of counterparts and collateral issuers (financial institutions, corporates, sovereigns, pension funds, investment funds) operating in a variety of mature and growth countries. As part of the group-wide Credit team, you will provide credit recommendations to management and respond promptly to demands for credit information and advice from the business areas.
Furthermore, you will monitor customers’ exposures targeting maximum settlement efficiency while ensuring that the level of credit risk accepted by Clearstream is in accordance with the bank’s credit policies, underwriting standards and regulatory requirements.
Tasks/responsibilities
- Conduct credit research and market intelligence in order to acquire sufficient knowledge of the counterparts under your responsibility
- Assess customer’s credit needs based on historical data and available collateral
- Prepare counterparts credit reviews and ad-hoc credit assessment.
- Recommend acceptance of new clients and credit limits
- Monitor credit exposures, authorise purchases of securities and the release of customers’ payments while ensuring adherence to settlement and currency deadlines
- Work on the maintenance, concepts/design, testing and implementation of new and existing credit tools
- Contribute to the review, upgrade and development of credit policies, procedures and guidelines
- Review and assess the impact on the credit business of new regulations and guidelines issued by relevant authorities in Luxembourg, Frankfurt and Singapore
Qualifications/required skills
- University degree in a quantitative discipline (Economics / Finance / Mathematics / Statistics). Msc or equivalent qualification will be considered as advantage
- Relevant credit risk experience and good knowledge of financial markets and instruments
- Strong command of MS Access/SQL/VBA/Macros/databases
- Accuracy, attention to detail, sound knowledge of the systems of records
- Strong problem-solving skills, comfortable with operational tasks / quick decisions with short deadlines
- Credibility and drive to present senior management with robust and accurate credit recommendations
- Ability to work independently and as a part of a team in an international environment
- Highly motivated and willing to assume additional assignments, including working in shifts
- Excellent command of English and German
- Excellent communication skills and the ability to operate across a number of functions and business areas
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