Credit Approval Senior Specialist

Purpose

As a Credit Approval Senior Specialist, you will be responsible for evaluating complex credit requests of the Bank and Group Companies for the Wholesale Banking business areas, based on relevant regulations and for contributing to the decision process. 
 

What you will be doing

• Evaluate credit requests from the Bank and Group Companies both from domestic and International Wholesale Banking. 
• Track and evaluate credit requests received from the competent Business areas to its’ completion in the credit evaluation cycle.
• Conduct analysis and confirm the credit risk ratings performed by the relevant Business areas for the borrowers under their responsibility, including credit requests that exceed approval limits of the Wholesale Banking Credit Committees of the foreign countries’ subsidiaries. 
• Assess the cash flows of prospect borrowers in order to determine their repayment ability.
• Draft credit recommendations to the competent Credit Committees by issuing independent credit opinions.
• Monitor and assess existing and new collateral in relation to credit risk rating of the creditor to ensure quality of the credit portfolio under their responsibility.
• Formulate reports in cooperation with other business areas of the Bank that will be ultimately addressed to the Supervisory Authorities, the Executive Committee, the Board of Directors, and other relevant bodies (BRC, RMC, etc.).
• Cooperate with Credit Risk Policy and Control, Market Risk,  Operational Risk, and other Risk and Audit business areas (depending the case):
  for formulation or modification of the rules and procedures for credit management
  for modifying the collateral assessment rules, 
  for developing and improving of the rating and collateral management system.

Whay you need to have

• A Bachelor’s degree in Economics Banking, Finance, Business , Mathematics or related quant.
• A Master’s degree in any of the abovementioned fields would be considered an asset.
• At least seven (7) years of related working experience in Banking and Financial Industry Institutions with focus on corporate/wholesale portfolios.
• CFA and/or other relevant certification shall be considered a plus.
• Complex problem-solving and analytical thinking skills.
• Attention to detail.
• Focus on teamwork and good time-management skills.
• Proficiency in the use of MS Office (Word, Excel, Powepoint).
• Excellent command of the English language (both written and spoken).