· Financial and credit analysis and writing of corporate credit files

· Determining risk ratings in the rating tools

· Issuing of risk opinion or risk conclusion on the credit requests

· Participation in the Local Credit Committees

· Co-ordinate with Regional and HO risk analyst teams

· Monitoring of the economic and financial evolution of clients

· Monitoring of global set of credit limits on clients / groups

· Interaction with Senior bankers / Relationship Managers on the       credit requests and ongoing monitoring of risk exposures

Main duties: 

· Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in co-ordination with senior bankers/ relationship managers for their portfolio and for all business lines relevant to a particular corporate client.

· Advising senior bankers and business lines on the structuring of the transactions / Group structures / line structure / methodology, during the preparation of the credit application

·Determining Risk Ratings in the rating tools (calculation, proposal and validation) for groups and counterparties

· Ensuring that the risk strategy elaborated by the senior banker is consistent with the Bank’s risk strategies for the relevant sectors and country

· Conducting annual review of credit limits and rating review of counterparties / groups; ensuring that the annual reviews are prepared in a timely manner and that ratings are reviewed by the Bank at least every 12 months

· Monitoring of the economic and financial evolution of clients; providing alerts to the head of the Department / management of potential deterioration of risk profiles of borrowers and of critical situations

·Monitoring of the global set of limits and exposure on groups / counterparties

· Per delegation level, issuing risk opinion or risk conclusion concerning the borrower, the relevant of the proposed transaction, the setup of credit limits and the internal rating; participation to the Local Credit Committee.  For credit applications exceeding the local delegation, working in co-ordination with the regional / HO risk analyst teams

·Update and capture data in the electronic credit decision workflow systems

· Preparing information and data for annual portfolio reviews

Post Graduate Degree

6 - 10 years’ experience in corporate risk analysis department of banks / rating agencies.

Ability to communicate clearly and easily

Capacity to cooperate/Ability to work across disciplines

Capacity to lead and structure the activity of a team

· Ability to read and analyse financial statements / balance sheet understanding.

· Industry / sector knowledge.

· Knowledge on ESG topics is a positive