Job Description 

The Junior Credit Risk Analyst will work in the Wholesale Banking & Lease Credit Risk Team, reporting to the Head of Credit Risk Management.  

Within the Credit Risk Management Department, he/she will contribute in monitoring the overall portfolio performance and evolution, preparing and reviewing specific reports to stakeholders on single clients, overall portfolios or loan loss provisions, reviewing and assessing specific credit and business proposals as presented by front office representatives, assessing credit ratings, and more in general collaborating and supporting the CRM team in adhering to Risk Appetite and group policies.  

Over time the Credit Risk Analyst will develop a thorough understanding of corporate credit matters, operating in an international and competitive business environment.  

Key responsibilities 

Responsible for accurate and complete monitoring and reporting of all portfolios, including regulatory reporting 

Loan Loss provisions committee documentation, monitoring and reporting 

Ensure data quality at individual file level and on a portfolio basis 

Follow up on covenants and collateral monitoring 

Review and finalization/approval of internal credit ratings 

Ensure the application of credit policies & procedures 

Check loan documentation, ensure that approvals are in place and conditions are respected 

Ensure correctness of facilities input and in general ensure data quality 

Check completeness of approvals and conditions if any 

Financial and business analysis of potential clients 

Review of selected credit proposal ensure that credit / financial risks are properly evidenced  

Contribute to the preparation of credit advices / recommendations 

Participate / contribute / recommend to Approval Mandates on specific loan proposals  

Responsible for adherence to applicable policies within the Bank 

Attend meetings, inside the Bank and with Auditors 

Engage with stakeholders, provide feedback on people, packages and processes. Be clear about what to expect from your FO counterpart both in terms of content, quality and timelines. 

Requirements 

Degree in a quantitative discipline (preferably with a major in banking/ finance) - some previous working experience would be welcome but is not a must 

Ability to understand financial statements of a corporate borrower (quantitative analytical skills are a plus) 

Capacity to identify key aspects of a complex issue and to write a clear summary thereof 

Fluent in English (and Italian) 

Our preferred candidate 

Data savvy with strong digital and analytical skills  

Avid reader, problem solver and entrepreneurial attitude 

Drive for results 

Concrete and pragmatic approach 

Effective communication skills 

Good planning and organizational skills 

Strong sense of accountability: delivers on promises, takes ownership