Junior Credit Risk Analyst Lazio

Junior Credit Risk Analyst
Roma
Lazio, Lazio

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 to 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 generally 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 proposals to 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). Preferred Candidate Data savvy with strong digital and analytical skills. Avid reader, problem solver, and entrepreneurial attitude. Drive for results. Concrete and pragmatic approach. Good planning and organizational skills. Strong sense of accountability: delivers on promises, takes ownership. J-18808-Ljbffr