Credit Risk Analyst
CVing S.R.L.
Romania
9 zile în urmă

Discover ING Bank

ING Bank Romania is auniversal bank addressing all client categories through its specializeddivisions : Wholesale and Mid Corporate Banking and Retail Banking.

InWholesale and Mid-Corporate Banking, we focus on developing healthy andlongstanding relationships with our clients. We are a team of self-

starters,optimistic and open to change. Join us! Together we can build up the next generation of corporatebanking!

Mission

TheCredit Risk Analyst will be part of a team of high value specialists who areresponsible for the risk management of the corporate credit portfolio.

The coretask of the team consists in assessing and deciding on / advising on individual creditproposals for corporate clients.

They are also in charge with initiating policyactions, monitoring the trends in the portfolio and closely following the moresensitive clients (watch list).

Whennecessary, the Credit Risk Analyst guides the commercially responsible peopleby offering advice on the structure of transactions and, if desired, byvisiting clients.

Your day-to-day

  • Analyze andreview credit and factoring applications for WB and MCB clients, so that you ensurethese are complete, correct, consistent and in line with the credit risk policyin place.
  • Decide / advise to the higher approval mandates on the creditproposals received for analysis

  • Offer advice tocommercial people on the credit risk appetite and credit risk policy , guidethem in structuring credit proposals.
  • Visit clients when necessary togetherwith the commercially responsible department

  • Monitor thecredit risk of the assigned portfolio as a whole and individual borrowersseparately, i.e. follow the developments of borrowers and financing structures
  • Monitor the periodicreports on missing documentation, excesses, overdue approval conditions,non-compliant covenants, overdue reviews and policy exceptions.
  • Take actionwhen needed based on these reports

  • Review portfolio analysisreports, provide input in the RWAs forecast process
  • Activelyparticipate in the quarterly WL portfolio; ensure that actions discussed areproperly reflected in the minutes and followed up on
  • Participate inthe various interdepartmental projects that require Credit Risk Department’sfeedback / involvement reviewing lending / FM contract, efficiency projects, etc.
  • Initiate and takecare of timely delivery of sector studies, and credit risk alerts on theassigned industry / es. Have an eye for concentration and reputation risks
  • Activelyparticipate in the review of credit risk appetite on the assigned industry / es(MCB)
  • What you bring to the team

  • Master’s degree in Finance / Economics; ACCA or CFA would be an advantage
  • Multiple-year experience (3-5years) in banking, preferably in corporate lending or risk management
  • Excellent ability tocommunicate effectively with different stakeholders
  • Customer orientation, persuasivenessand decision-making
  • Demonstrating a goodunderstanding of Financial Markets products (derivatives)
  • Good command of English inword and writing
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