Head of Commercial Banking - Luxembourg

RiverBank is one of Luxembourg's fastest growing financial services companies. Our purpose is to help established SMEs, one of the last major underserved opportunities in banking, by addressing all their financing needs. These businesses form the backbone of local communities, yet remain largely neglected by both traditional high street banks and digital providers. At RiverBank, we are committed to changing that.

Purpose of the Role

The successful candidate will be responsible for launching the bank's commercial banking efforts in Luxembourg, including strategic planning, loan and deposit growth, risk management, and portfolio performance. This role involves growing a team, providing leadership on origination, ensuring compliance with regulations, and working with internal and external stakeholders to grow the Bank’s business in Luxembourg.

You will be experienced at managing key client and stakeholder relationships, delivering superior customer outcomes and will act as a Key Account Executive for our clients in Luxembourg.

Primary Responsibilities

• Build and maintain a network of clients and intermediaries for the Company's loans in Luxembourg (advisors, investors, banks);

• Identify and develop new business opportunities for loan and deposit products;

• Engage with prospective clients to understand their financial needs;

• Generate a portfolio of high quality loans with Luxembourgish borrowers;

• Work with Product team to design products fitting the Luxembourg market:

• Prepare and structure deals such that client needs match the Company’s risk appetite;

• Build a broad network that will increase the perceived presence of RiverBank in Luxembourg;

• Work with other Company teams towards closing of the loans and deposits sourced;

• Maintain strong, ongoing relationships with clients, providing exceptional customer service;

• Achieve and exceed sales targets on a monthly and quarterly basis;

• Provide regular sales reports and updates to management; and

• Stay up-to-date with the latest loan products and market trends and feed back into the organisation.

Qualifications and Experience

• Extensive knowledge of lending and financing concepts, practices, and procedures;

• Proven track record in sales management and relationship management in Financial Services industry;

• Ability to meet sales targets;

• Strong financial and credit analysis skills;

• Experience in negotiating loan terms and underwriting complex loans;

• Ability to manage both large-scale and individual loan portfolios;

• Self-starter;

• Excellent interpersonal skills;

• Excellent planning and organizing skills;

• Excellent written and verbal communication skills;

• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations;

• Show initiative, high energy and a desire to succeed, while demonstrating enthusiasm and passion to inspire employees throughout the organization; and

• Microsoft Office Suite.

Why Join RiverBank

You will be joining a dynamic and fast-growing organization at a pivotal time in its expansion. As part of a collaborative and purpose-driven team, you will have the opportunity to shape the future of SME and Real Estate banking across Europe and make a tangible impact in an underserved segment of the financial industry.

RiverBank is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximise their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the communities in which we operate and who reflect a variety of backgrounds, talents, perspectives and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing and advancing individuals based on their skills and talents.