Senior B2B Credit Analyst

Il y a 5 heures

belgium Lensys Temps plein

Lead the critical financial analysis of B2B credit applications, enabling strategic growth while mitigating risk for professional clients across Belgium and Luxembourg. You will refine credit processes and advise key stakeholders, acting as a pivotal gatekeeper for robust financial partnerships.

CONTEXT

Our client, a major player in its sector, stands at the forefront of financial services, empowering businesses to thrive through sound financial partnerships. The B2B Onboarding Professionals team is the bedrock of this mission, where every decision shapes the client portfolio and safeguards the institution's financial health. In a dynamic economic landscape, the ability to accurately assess creditworthiness and strategically manage risk is paramount. They are looking for a Senior Credit Analyst who doesn't just process applications but truly understands the narrative behind the numbers, contributing to a secure and prosperous future for both the client and its partners. This role is about more than just analysis; it's about building trust and facilitating sustainable growth.

ACTIVITIES

  • Conduct in-depth financial analysis of complex B2B credit applications for professional clients in Belgium and Luxembourg, evaluating balance sheets, income statements, and cash flow projections.
  • Identify and assess credit risks, formulating clear recommendations based on comprehensive due diligence and industry best practices.
  • Actively participate in the continuous improvement of credit assessment processes and methodologies, striving for efficiency and accuracy.
  • Serve as a key point of contact for internal partners and external customers, providing expert advice and clear communication regarding credit decisions and requirements.
  • Collaborate closely with sales, legal, and compliance teams to ensure seamless onboarding and adherence to regulatory frameworks.
  • Prepare detailed credit reports and presentations for management, outlining key findings and justifications for credit decisions.
  • Monitor existing credit portfolios for early warning signs and evolving risk profiles.

EXPECTED ACHIEVEMENTS

  • Successful processing of a high volume of credit applications with exceptional accuracy and adherence to service level agreements.
  • Significant contributions to the enhancement of credit assessment processes, leading to increased efficiency and reduced operational risk.
  • Cultivation of strong, trust-based relationships with internal and external stakeholders, positioning you as a reliable expert.
  • A demonstrable impact on the quality and stability of the B2B credit portfolio, balancing growth with prudent risk management.
  • Proactive identification and mitigation of potential credit losses, safeguarding the financial integrity of the institution.

ENVIRONMENT

Financial analysis tools, AS400 (mainframe system for data management), internal credit scoring models, Microsoft Office Suite (Excel for complex financial modeling), CRM systems, internal policy and regulatory frameworks (e.g., NBB/FSMA guidelines).