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Credit Business Developer Private Banking

Date:  06-Oct-2021
Location: 

Brussels, BE, 1040

Degroof Petercam is a unique blend in many ways: we bring together different expertise under one roof. We have Belgian roots and we operate internationally. For almost 150 years, we have been an independent financial partner for institutional investors, companies and private clients and we have our own decision-making powers. In addition, we are constantly on the move to serve our clients in the best possible way. At Degroof Petercam Private Banking, expertise is at the service of our clients. We offer them solutions in close collaboration with other departments such as asset management, estate planning, loans, private equity, artistic advice and corporate finance. In this way, we have to take care of the assets of our clients. 

Context

For realizing our ambitious objectives, Bank Degroof Petercam is looking to reinforce their Private Banking department with a Credit Business Developer Private Banking  

Reporting to the Head of Business Development & Segments Private Banking (with a functional reporting line to the Chief Lending Officer), you are responsible for the development of the credit offering / credit business of Degroof Petercam Private Banking (Lombard Loans, Real Estate Loans and structured or unsecured loans), this in close and confidential collaboration with the Private Bankers and the Group Chief Lending Officer.
This function is a real mix between the client facing Private Banking Loan Origination and the regional SPOC Credit for Private Banking. Moreover, you will be in touch with fiscal, legal and risk management aspects in order to serve private banking clients in an efficient way. Therefore, you will collaborate with the different experts in-house.

Your Position

As Credit Business Developer, you will have the following responsibilities:

  • Set up the Private Banking Credit Development department
  • Support (region wise) private bankers during client / prospect meetings on large and non-standard credit requests 
    • Be able to filter and give a first feasibility assessment on the requests based on the Group Lending Policy guidelines and Credit Risk Appetite framework of Degroof Petercam.
    • Accompany private bankers in client/prospect meetings to further identify opportunities and/or narrow the scope.
    • Discuss indicative credit terms, grant commercial discount (under conditions)
    • Gather key relevant information necessary for the credit request
    • Liaise, discuss with, and hand over to the (head of) credit analysts team the relevant credit applications to allow for swift analysis and final credit committee decision
    • Assist to the Credit Committee to provide contextual and commercial feedback on the credit applications.
  • Responsible for animation of credit offering within Private Banking
    • Roadshows within teams to animate offering
    • Structural presences within teams and regional offices
    • Give trainings where relevant / required
    • Identify and tackle areas of improvement (offer, process, change management)
  • Collaborate with marketing segments managers, responsible for content on credit topics
    • Present credit offering on events and webinars
    • Communicate externally on our credit offering 
    • Assure our website and My Degroof Petercam contain the right credit info 

 

As Regional SPOC Credit for Private Banking, you will have the following responsibilities:

  • Assure a smooth follow-up process for all credit related topics (requests lacking / renewals / LTV / due date monitoring / …)
  • Promote and apply the SLA between credit (or other department) and Private Banking for credit related matters, Identify and tackle areas of improvement
  • Within the credit risk appetite framework, suggest updates and revision of the Private Banking Credit offering to respond to market evolution, in cooperation with the Chief Lending Officer

 

Your Profile

  • You hold a Master in Finance, Economics and/or in Law with a financial background or minimum 8 years’ experience in banking sector with commercial orientation and knowledge of banking products for individuals and SMEs;
  • You have strong credit technical & end-to-end process skills: essential knowledge of the legal and regulatory credit framework both for corporate and natural persons, EU mortgage credit directive, Loan to Values standards in the banking industry, risk weighted assets impact on pricing, etc.
  • You adapt to various areas: essential knowledge of business planning, cash flow projection analysis, company valuation, asset pricing methodology, etc.
  • You are client-centric with excellent listening, communication and negotiation skills 
  • You have had commercial roles with external private clients
  • You are team player with an entrepreneurial attitude and high ethical standards
  • You are stress resistant and flexible
  • You are fluent in Dutch or French with a good working knowledge of English
  • You have a good knowledge of MS Office tools (word, excel and powerpoint)

Our offer

By working for Bank Degroof Petercam, you will join a Belgian bank of a human size where personal contacts prevail.
As from the start, you work with colleagues from various business lines and have direct impact on our private, institutional or corporate clients.
We strongly invest in the development of your talent by offering you a variety of in-house finance-specialized and management training as well as external programs.
Looking for a long term relationship not only with our clients but also with you as employee, we offer you an attractive salary package, including a performance related bonus, extra-legal benefits and a variety of in-house finance-specialized and management training as well as external programs.


The internal Talent Acquisition team of Degroof Petercam guarantees the professional follow-up of this vacancy. We do not work with external recruitment partners.

Our company offers a stimulating environment for those who want to be challenged intellectually. You’ll be stretched, because we count on you to share our ambitions and to come up with solutions for complex matters. The impact of our work goes beyond profit. Looking at our business from a broader perspective, we influence our entrepreneurial networks to invest in the economy and, ultimately, in society as a whole. In other words, working at Degroof Petercam also means contributing to economic development, today and for generations to come.

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