SME Credit Risk Analyst

February 14

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Aion Bank

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Is your money standing still? From savings to daily banking services, Aion Bank gives unlimited access to products designed to help you grow your money. We offer you full transparency so you can get the most out of your money.

201 - 500 employees

📋 Description

• Analysing small and medium size business clients in granting and monitoring processes. • Developing and managing SME credit risk processes and flows (Overdraft/Revolving/Investment Loans). • Preparing SME credit risk policies for credit products. • Preparing analysis of financial standing, financial ratios and payment capacity. • Recommending credit structures, decisions and covenants. • Monitoring of business Clients based on defined level of risk appetite. • Testing developed processes. • Assisting and working together with sales, business, legal and collection teams for introduction and management of credit products.

🎯 Requirements

• B.S. or Master's Degree in finance, banking, statistics or related. • At least 5 years of experience in credit risk area of SME clients. • Solid understanding of financial statements, ability to analyze them and draw conclusions. • Good Knowledge of SME credit risk processes. • Good Knowledge of collaterals with emphasis on Polish regulatory requirements. • Experience in banking sector (especially Poland). • Understanding of credit bureaus and the type of data provided by them. • Good knowledge of SQL will be a significant advantage. • Analytical skills. • Ability to efficiently communicate in both Polish and English languages.

🏖️ Benefits

• Opportunity to work in an innovative, digital bank applying state of the art approaches and technologies. • Flexible form of contract unless limited by banking regulations. • Individual Development Budget dedicated to enhancing your professional skills. • Flexible work location: home/office according to your preference. • VIP-level private medical care including dental treatment and hospitalization package for you and closest family. • Coverage for psychological consultations if needed. • Aion bank account without fee. • Co-sponsorship of your Multisport card covering 50% of its cost. • Computer equipment that delivers the best user experience — Apple MacBook. • Beautiful office space available in Brussels and Warsaw with healthy snacks throughout the day.