Within
the Credit Risk department, you will analyze credit requests for Real estate and
Midcorp counterparties and conduct their annual reviews. This activity will be
performed within the framework of the Bank policies / procedures and the
respect of the regulatory environment.
“3
lines of defense” model: Within Risk Management department, you will be part of
the second line of defense (alongside Compliance department) which provides
rules, policies and guidelines for the first line of defense, i.e. the teams
directly working with our bank clients. The third line of defense, through our
internal audit team, makes sure that the first two lines are in line with legal
requirements of our supervisors and the risk appetite of the Bank.
Your next challenge:
- You
identify the risks related to the counterparties and transactions
presented and formalize an opinion, aiming at facilitating the decision-making of the competent credit
authorities. - You
analyze P&L, balance sheets, current & future cash-flows, business
plans and can challenge the company management or front office
assumptions. - You work
closely with the Front Officers to support them with their credit limit
requests. - You
ensure the strict application of the credit application of the credit risk
procedures and guidelines.