BGL BNP Paribas is one of the largest banks in Luxembourg and part of the BNP Paribas Group. 

It offers an especially wide range of financial products and bancassurance solutions to individuals, professionals, businesses and private banking clients. 

In 2024, BGL BNP Paribas was named “Best Bank in Luxembourg” by Euromoney and in 2025, for the 10th consecutive year, was awarded the “Top Employer Luxembourg” certification, in recognition of the excellent working conditions offered to its employees.

As part of its development, we are looking for a:

                                                INTERNSHIP – CREDIT STUCTURER (H/F)

                                                               minimum 4 months

BGL BNP Paribas is one of the largest banks in Luxembourg and part of the BNP Paribas Group.

It offers an especially wide range of financial products and bancassurance solutions to individuals, professionals, businesses, and private banking clients.

You need to have an internship agreement from your university in order to do this internship.

LOCATION

• Commercial Banking Desk
• BGL BNP Paribas Luxembourg Kirchberg

YOUR MISSION

Credit Structurers are key stakeholders of BEL “Banque des Entreprises au Luxembourg”, on whom the Bank can rely for their expertise and objectivity in corporate and SME financing structuring and analysis combining a risk awareness and a commercial approach.

They are therefore responsible for:

• Structuring credit transaction with the RMs (Relationship Manager) and the clients and providing a critical contribution to inform credit decisions in credit committees:
  • Gathering appropriate client/transaction information (annual reports, organization chart, web site info, broker notes, due diligence with RM…) to be able to properly structure, negotiate and present transactions, optimizing the return within the context of the global relationship and taking into account the objectives of the bank,
  • Structuring term sheets (Facility, borrower, guarantor, lender, amount, maturity, pricing, financial covenants, security…) with the RMs, the client and the Legal,
  • Recap of the SWOT and risk mitigants and determines what information needs to be further collected to elaborate a credit offer to the client,
  • Attend client meetings – conference call, which are primarily focused on financial results – business plans – financing discussions.
• Contributing to origination / pitch meetings jointly with the RMs and other business lines.
• Delivering a complete, synthetic and coherent up-to-date memo on the transaction, based on facts, compliant with bank’s guidelines with the RMs and other parties involved.
• Guarantee the quality of the financial spreadsheet/business plan, the counterparty, financial and sector analysis and present the transaction analysis.
• Taking responsibility for the overall data analysis reliability and coherence, including financial projections, when necessary.
• Completing Credit Proposals with the RM enabling Credit Committee to take an informed decision:
  • Credit Proposal writing is a collaborative and iterative process between Credit Structurer and RM’s,
  • Leveraging on his/her expertise, the Credit Structurer discusses transaction issues with the RM and various stakeholders within the bank. Should fundamental disagreements arise, the issue can be referred to the hierarchy for guidance through pre-screening in due time.

OTHER

• Dissemination of relevant information/alert to the appropriate audience in case of major event or material evolution that could impact portfolio credit quality – joint responsibility of all stakeholders (notably Relationship Manager, Credit Structurer, Delegation Holder and Risk).
• Guaranteeing the consistency of data under their own responsibility.
• Contribute actively to the quality and integrity of client data, in particular data used in the credit process for the assessment of a client’s risk parameters or credit risk.
• Alert on any identified risk, including compliance issues.
• Contribute to global portfolio reports when information is not directly available/reliable or if a qualitative input is needed.
• Keep abreast of the changing methodologies and policies applicable.
• Sharing information and developing intelligence notably on sectorial knowledge through:
  • Efficient dissemination of sectorial knowledge and industry intelligence.
  • Active participation in BEL community (circulation of information, regular update through interactions with EIS, other analysts and Risk).
• Contribute to continuous improvement initiatives (team, processes…) with active participation in dedicated workshops.
• Maintenance of a low level of overdue files in coordination with the RMs.

ADVANTAGES OF THE POSITION

This position offers a real opportunity to develop your financial, analytical and credit analysis skills within a leading international banking group.

We are working on a mix of plain vanilla and complex credit files for European and international clients operating in various industries and from various size: start-up to large corporates.

We are a dynamic, transversal, and international team working in a demanding and competitive environment with direct clients and top management interactions.

YOUR PROFILE

Education

• Business school, university with a major in Finance or Economics

Professional Experience

• At least 6 months previous internship experience in audit, private equity and/or corporate credit analysis

Behavioural Skills

• Ability to collaborate / Teamwork
• Decision Making
• Attention to detail / rigor
• Organizational skills
• Adaptability
• Ability to deliver / Results driven
• Communication skills – oral & written
• Client focused
• Critical thinking

Transversal Skills

• Analytical Ability
• Ability to anticipate business / strategic evolution
• Ability to set up relevant performance indicators

Technical Skills

• Good command of technical finance, accounting, legal and economic knowledge, as well as credit lines, banking products and business lines
• Capacity to identify, analyze and manage risks
• Commercial aptitude

Language Skills

• Fluent in English –French / (German and Luxemburgish are considered as a plus)

In a changing world, diversity, equity and inclusion are key values for the well-being and performance of teams. At BNP Paribas, we want to welcome and retain all talents without distinction: this is how, together, we will build the innovative, responsible and sustainable finance of tomorrow.