Credit Risk Analyst

4 days ago


Helsinki, Uusimaa, Finland Saldo Bank Full time

Haemme asiakkaallemme Saldo Bankille Yritystutkijaa vakituiseen työsuhteeseen. Etsimme henkilöä, jolla on mielenkiintoa luottoriskianalyysiin. Tuet luottokomiteaamme luottoriskin, lainan myöntämisen ja sopimusten strukturoinnissa. Kutsumme sinut mukaan innovatiiviseen riskitiimiimme tasoittamaan pankin pk-yritysten luottoriskisalkun tulevaisuutta.

Tehtäviin kuuluu:

  • Taloudellinen analyysi ja suositukset asiakkaiden futuurimahdollisuuksista lainan takaisinmaksu.
  • Tukea luottokomiteaamme kaupan strukturoinnissa, kovenanteissa ja vakuuksissa.
  • Neuvoa luottokomiteaa lainan myöntämisessä, tunnistaa vaihtoehtoisia ratkaisuja; antaa havaintoja talouden ja teollisuuden näkymistä.
  • Tunnistaa varhaiset varoitussignaalit.
  • Seurata vahvistettujen taloudellisten kovenanttien ja vakuusarvojen täyttymistä.
  • ESG-riskinarviointi.
  • Lainojen myöntämistä ja vakuuksien arviointia koskevat säännökset.

Vaatimukset:

  • 1+ vuoden työkokemus pk-yritysten luottoriskianalyysistä, päätöksenteosta, vakuuksien hallinnasta pankissa.
  • Vahva analyyttinen kyky.
  • Suomen ja englannin kielitaito.
  • Soveltuva korkeakoulututkinto.
  • Vahvat vuorovaikutustaidot ja kyky osallistua useisiin sidosryhmiin ja vaikuttaa niihin.
  • Kohtuullinen ymmärrys eurooppalaisista ja paikallisista yrityslainaukseen liittyvistä säännöksistä katsotaan eduksi.

Mitä tarjoamme:

  • Erinomaiset etenemismahdollisuudet.
  • Dynaaminen ja kannustava työympäristö, jossa on mahdollisuus kasvaa yhdessä ammattitaitoisessa tiimissä.
  • Mahdollisuuden vaikuttaa kansainvälisen liiketoiminnan menestykseen ja nähdä oman työsi tulokset.
  • Edenredin työntekijäedut: Sisältää lounasedun jokaiselta työpäivältä ja virkistysedun 400 euroa vuodessa.
  • Yksityinen sairausvakuutus ensimmäisestä työpäivästä alkaen.
  • Ammatillinen kasvu: ammattitaitoinen ja tukeva tiimi, konferenssit, koulutukset, kirjat - kaikki mikä mahdollistaa osaamisen parantamisen ja kehittämisen taatulla vuosibudjetilla: 1500 euroa koulutuksia ja 150 euroa kirjoja.
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