Credit Risk Analyst

Saldo Bank UAB is a specialized bank licensed by the European Central Bank and regulated by the Bank of Lithuania. Saldo Bank offers fully automated lending solutions for consumers and SME customers and term deposit account services. The company's advanced scoring system ensures responsible lending, and its own lending system supports business growth also internationally.

We are looking for someone who is passionate about credit risk analysis and advises our Credit Committee on credit risk, loan origination and deals structuring. We invite you to join our innovative risk team in paving the future for the bank's SMEs credit risk portfolio. You will report to the Chief Risk Officer.

Your responsibilities will include:

• Prepare financial analysis and recommendations on customers' futures abilities to repay the loan
• Help in deal structuring, covenants and collateralisation
• Advise Credit Committee on loan origination, identify alternative solutions; deliver findings on economy and industry outlooks
• Recognize early warning signals
• Monitor fulfillment of established financial covenants, collateral values.

If You would be interesting to brighten your responsibilities we might help for you to develop those skills or we would be happy to hear about your experience in:

• ESG risk assessment
• Regulatory requirements on loan origination and collateral evaluations.

Requirements:

• Ideally 1+ years of work experience in SME credit risk analysis, decision making, collateral management within a bank
• Strong analytical ability
• Excellent command of English and Finnish languages
• University degree
• Strong interpersonal skills with the ability to engage and influence multiple stakeholders
• Reasonable understanding of European and local regulations relating to corporate lending is an advantage.

What we offer:

• Dynamic and supportive work environment with opportunities to grow together in a professional team
• Possibility to have an impact on international business success and see the results of your own work
• Edenred Employee Benefits: Including a lunch benefit for each working day and a recreational benefit of 400 EUR per year
• Private Health Insurance from the first day of working together
• Professional Growth: professional and supportive team, conferences, trainings, books - everything which lets you improve and develop your skills with a guaranteed annual budget of 1500 EUR for trainings and 150 EUR for books
• Activities together: team buildings and other team events!