Expert Financial Analysis

What you will do:

Perform in-depth financial analysis (revenues, profitability, leverage, liquidity, cash flow), including annual monitoring
Visit the client’s premises – obligatory in case of financing (as a team together with BCA in more complex cases)
Assess the probability of default and assigns an internal Risk Classification
Evaluate pledged assets, guarantees or mortgages for adequacy and enforceability. Make request in the system for external appraisal
Request the necessary Legal opinion (including the ownership and collateral)
Draft a credit proposal with recommendations for approval, adjustment/restructuring, or rejection
Present the proposal to the relevant credit committee or risk authority
Ensure that all pre-disbursement conditions are met (e.g., collateral registration, contract signing)
Support Business Client Advisors on advising on structuring complex deals, clients with difficulties and eventual restructuring
Communicate with clients only in cases of clarifying and requesting additional financial data
Perform annual analysis, adh-hocs and semi-annual for bigger exposure (including RE projects)

Bachelor’s degree in Finance, Economics, Business Administration, or a related field
3+ years of proven experience in commercial credit analysis or Business Lending Underwriting
Strong understanding of financial statement analysis and knowledge of risk assessment principles
Strong attention to detail, analytical and interpersonal skills
Proficiency in Microsoft Excel and financial analysis tools
Very good command of English language
Ability to work independently and manage multiple cases simultaneously
Time management, problem-solving, integrity, decision-making skills
Readiness to work with targets and KPIs; results oriented approach
Military duties fulfilled (for male candidates)

Working in a dynamic international environment
Professional growth in a motivated team
Training opportunities
Flexible start of the working day (7:30 - 09:00 a.m.)
Other benefits: 25 days of annual paid leave, private health insurance, transportation cost amount, additional amount for summer vacation and heating season, preferential conditions for products and services in the bank

Sofia

Thessaloniki

Thessaloniki