Junior Credit Risk Analyst Milano

Junior Credit Risk Analyst
Milano
Lombardia, Milano

J ob 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 proposal s as presented by front office representatives, assess ing credit ratings, and more in general collaborat ing and support ing 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 pro visions committee documentation, monitoring and reporting

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

Follow up on covenants and collateral monitoring

R eview and finalization /approval of internal credit ratings

Check loan documentation, e nsure that approvals are in plac e and conditions are respected

Ensure correctness of facilities input and in general ensure data quality

C he ck completeness of approvals and condition s if any

Financial and business analysis of potential clients

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

C ontribute to the preparation of credit advice s / recommendations

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

Responsible for adherence to applicable policies within the Bank

Attend meetings, in side the Bank and with A uditors

Engage with stakeholders, provide feedback on people, pac kages an d processes.

Be clear about what to expect from your FO counterpart both in terms of content, qua lity an d timelines.

**Requirements**:

D egree 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 )

C apacity to i dentify key aspects of a complex issue and to write a clear summary thereof

Fluent in English (and Italian)

Data savvy with strong digital and analytical skills

Avid reader, p roblem solver and entrepreneurial attitude

Drive for results

Concrete and pragmatic approach

Effective communication skills

Good planning and organizational skills

**Strong sense of accounta bility**: delivers on promises, takes ownership