Relationship Manager - Division Real Estate (m/f/n)

Your missions:

As a Relationship Manager within the Real Estate Division, your main responsibilities are as follows:

1. Manage and develop a portfolio of clients active in professional real estate, covering acquisition, development, construction, and investment operations (ADC and IPRE)
2. Act as the primary point of contact for clients, supporting them in the structuring and implementation of their financing operations
3. Identify and develop new commercial opportunities in line with the bank's strategy and risk appetite
4. Negotiate the financial and contractual conditions of operations within the framework of current delegations and procedures
5. Conduct the financial analysis of real estate financing operations, evaluating the economic sustainability of projects and the consistency of proposed structures
6. Assess the risk level of counterparties and operations, particularly regarding leverage, cash flows, and hedging mechanisms
7. Structure financing and define key credit parameters
8. Prepare and present credit files to internal decision-making bodies
9. Ensure the follow-up of commitments and the portfolio, within a logic of risk control and compliance with contractual conditions
10. Contribute to the early identification of risk situations and the implementation of appropriate measures
11. Ensure the quality of credit documentation and compliance with governance and internal control requirements
12. Work in close coordination with the Risk Management, Legal, Compliance, and Operations teams to ensure smooth and compliant execution of operations
13. Monitor developments in the real estate market and financing conditions to adapt the commercial and risk approach
14. Represent the bank to real estate and financial market players during professional events, conferences, and sector meetings
15. Develop and maintain a high-quality network of contacts (clients, investors, partners, advisors) to support commercial development and the bank's market positioning

Required Qualifications:

1. Holder of a Master's degree with an orientation in economic sciences, business management, management engineering, or civil engineering
2. Professional experience of at least 10 years, including a minimum of 5 years in the relevant field
3. Mastery of French and English languages; knowledge of the Luxembourgish language is an advantage

Technical skills:

The acquisition of these skills can, based on demonstrated learning predispositions, be carried out through the coaching and training offered by the Bank during the start of the position and the integration period.

Professional skills:

1. Business relationship management (clients)
2. Writing skills for notes, reporting, and minutes
3. Credit - guarantees and mortgages
4. Financial Analysis and financial dashboards
5. Banking products
6. Understanding of client needs OR the market
7. Commercial spirit taking into account sustainability criteria
8. Negotiations with clients or decision-makers (internal/external)

Behavioral skills:

1. Adopt a collaborative attitude with professional interlocutors
2. Be part of a client-centric approach making client satisfaction a priority
3. Show an open mind towards change and adapt to the evolution of the bank
4. Demonstrate commitment and passion for the realization of missions

Reasons to join Spuerkeess:

1. Voted the most attractive employer in Luxembourg in 2023 according to the Randstad Study
2. Strong commitment towards social and economic responsibility
3. Attractive salary conditions with a public law status assimilated to that of state employees
4. Great flexibility of working hours and hybrid working mode
5. Personalized coaching program with a follow-up throughout the integration
6. Wide range of training and strong internal mobility synonymous with career evolution
7. Workplace well-being actions and free Spuerkeess fitness room with group classes

Recruitment information:

Please send us your CV as well as a cover letter by applying directly on our career site. A criminal record will be requested during the recruitment process. For degrees obtained abroad, outside Benelux, registration in the register of university diploma titles issued by the Ministry of Research and Higher Education must obligatorily be introduced. In accordance with our values of equity and respect, we favor an inclusive and diversified work environment. Thus, we are committed to equal opportunities and encourage all qualified and eligible candidates to apply, regardless of their gender identity/expression, age, ethnic and cultural origin, religion and beliefs, sexual orientation, disability or neurodiversity, or any other personal characteristic.