Job Discription:
Credit Analyst is an expert position in Credit Lending Management Department in ICG & CCB Risk Unit. Key role of the Credit Analyst is managing credit risk of portfolio of Commercial Bank Clients i.e. companies with the yearly turnover of PLN 40 – 4,000MM, in particular, managing its quality through identifying potential risks and weaknesses and taking adequate actions to mitigate them, with the ultimate aim to support delivery of Commercial Bank goals of high quality and profitability portfolio growth.
Responsibilities:
- Actively managing of credit risk of portfolio of commercial clients, ensuring its high quality and adequate classification, cooperating with Business Partners in that stance
- Supporting Business Partners in their acquisition activities, by providing analysis of financial standing and credit worthiness of potential clients
- Financial analysis of clients and their investments projects, recommending strategy for credit part of the relationship, as well as credit limits and their structure
- Preparing of all documents necessary to make a credit decision;
- Making credit decisions within individual credit discretions and limits
- Ongoing monitoring of financial situation of the clients, incl. analysis and trends in his industry, external and internal early warning signals, as well as taking actions adequate to identified risks
- Initiating and recommending changes to credit process and regulation in order to increase effectiveness of the credit process
- Daily cooperating with external and internal partners in order to ensure optimal credit service for customers
Qualifications:
- Minimum of 5 years of experience in financial sector, incl. analysis of mid-corporates
- Experience in making credit decisions or in presenting and recommending transactions to higher discretions level
- Very good knowledge of regulations impacting credit process and credit analysis
- Very good knowledge of Accounting regulations (UoR/MSR/MSSF), ALM and Fraud regulations
- Analytical thinking, ability to draw conclusions and present sound and independent judgement
- Very good communication skills, ability to cooperate with different internal and external partners
- Effective time and tasks management, ability to set priorities and work under time pressure
- Excellent knowledge of IT tools used at work (MS Office, data base)
- Very good English and Polish knowledge
The role of Credit Risk Senior Analyst is located at Bank Handlowy S.A. in Warsaw:
https://www.citi.com/Careers/policies/pdf/BankHandlowyPolandPrivacyNotice.pdf