1st line Credit and Pricing Officer at Swissquote

Luxembourg, , Luxembourg -

Full Time

Start Date

Immediate

Expiry Date

02 Apr, 26

Salary

0.0

Posted On

02 Jan, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Management, Pricing, Financial Analysis, Regulatory Compliance, Analytical Skills, Problem-Solving, Decision-Making, Communication Skills, Attention to Detail, Team Collaboration, MS Office Proficiency, Loan Assessment, Risk Assessment, Training, Capital Consumption, Profitability Analysis

Industry

Banking

Description

Company Description As a leading provider of online financial services, Swissquote Group offers innovative solutions and comprehensive services to meet the wide-ranging demands of its global clients. With an Online Trading Platform linked to more than 60 stock markets in over 40 countries, including off-exchange trading in derivative products, Swissquote offers simple, rapid, online trading in shares, bonds, funds, options, futures, warrants, ETFs, Structured Products, forex and cryptocurrencies. Swissquote Group is listed on the SIX Swiss Exchange (symbol: SQN) and employs 1,350 professionals at its headquarters in Gland (Switzerland) and offices in Zurich, Bern, Dubai, Hong Kong, London, Luxembourg, Malta and Singapore. Job Description The role supports first-line commercial teams in all processes and decisions related to credit granting and pricing. The main responsibilities are to: Lead credit assessment and analysis for loans outside automated approval systems, ensuring alignment with the Bank's risk appetite and regulatory compliance. Perform detailed financial and industry analyses, collaborating with commercial teams to gather comprehensive information for lending decisions. Coordinate with Risk, Finance, Treasury, and Legal functions to assess credit risk, financial impact, and contractual terms of loans. Establish and maintain a comprehensive pricing overview for the Bank’s client portfolio. Support internal and external audit processes related to credit risk management, loan granting, and pricing. Establish and maintain robust first-line credit procedures and control framework. Manage pricing and profitability analyses at portfolio and client levels, supporting Sales teams on complex pricing decisions. Monitor capital consumption and propose optimisation measures where appropriate. Support the development and review of credit lending policies and procedures. Prepare and lead Credit Approval Committee meetings, ensuring ongoing regulatory compliance. Generate credit-related reports for management, regulators, and internal committees. Conduct training sessions to enhance loan and product knowledge across the Bank. Qualifications University Degree in business, economics, finance or related field, with 5+ years of banking experience in Luxembourg Demonstrated expertise in credit management and pricing Knowledge of regulatory requirements (CRR/CRD, EBA/GL/2020/06, CSSF circulars) Understanding of capital consumption and pricing aspects Proficiency in MS Office package Excellent written and verbal communication skills in English; French is an asset Strong analytical, problem-solving, and decision-making capabilities Ability to work under pressure, manage multiple priorities, and collaborate across teams Excellent attention to detail and accuracy Additional Information SQ1 Managerial role: No

Responsibilities

The role involves leading credit assessment and analysis for loans, ensuring compliance with the Bank's risk appetite. It also includes managing pricing and profitability analyses while supporting internal and external audit processes.