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Senior Credit Analyst Commercial Banking

Poland, Warsaw Employment contract · Job Posted April 30, 2025

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Job Description

Senior Credit Analyst Commercial Banking is a seasoned professional role within a credit area. As part of the Credit Analysis Team, the candidate will work to ensure adequate credit analysis for Mid and Large Commercial clients in particular in Corporate Finance like transactions.

Job Responsibility

  • Credit analysis and risk assessment of clients within the allocated portfolio (Mid-and Large Commercial Clients)
  • Preparation of annual reviews of credit exposure along with the determination of risk ratings and structure of credit lines
  • Managing risks associated with new and existing credit transactions, incl. corporate finance
  • Conducting negotiations on the transaction with the participation of Boards of clients, their advisors, advisors of the Bank and supervising the implementation of agreed terms and conditions in the Bank’s credit exposure
  • Review of market information on the credit clients and respective industries
  • Regular contact with clients related to credit matters, incl. customer site visits (when appropriate)
  • Identifying and obtaining exceptions approvals
  • Recommending appropriate classification of exposures in the assigned credit portfolio
  • Performing periodic financial statement review
  • Tracking established financial covenants
  • Identification of potential problems and weaknesses through early warning system
  • Participation in portfolio stress tests and credit reviews
  • Preparation of reports/statements/documents for audit, and other units
  • Establish cross-functional partnerships and network with key internal and external partners
  • Can exercise independence of judgement and autonomy
  • Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives

Requirements

  • Master’s/University degree in Economics or Law
  • Minimum 10 years of experience in the financial sector in credit analysis of commercial and corporate clients
  • Experience in Corporate Finance and remediation process
  • Ability to analyze financial statements and prepare financial forecasts
  • Good understanding and knowledge of commercial and corporate banking products
  • Advanced analytical skills
  • Excellent communication skills, both oral and written
  • Negotiation skills
  • Openness, honesty and independence in presenting views
  • Ability to work under time pressure and complete assigned tasks in a timely manner
  • Fluent English and Polish
  • Proficient in Excel, Word, PowerPoint

What we offer

  • Job contract and social benefits (private medical care, fitness card, life insurance, pension programme, co-financing of cultural and entertainment events and more)
  • Access to e-learning platform (Degreed) as well as English learning platform
  • Possibility to gain globally appreciated work experience
  • Friendly and supportive culture and team
  • Flexible and partly-remote working conditions
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