Senior Credit Risk Analyst (m/f/d)

DenizBank AG; Wien; Hybrid; EUR 34.000 - 41.000; Vollzeit

Benefits dieser Stelle

Staff canteen / meal subsidies

Voluntary pension plan

Employee discounts

Hybrid work option

Zusammenfassung

DenizBank AG is seeking an experienced Credit Risk Analyst to evaluate credit proposals and perform in-depth financial analysis within a multinational team in Austria. The role supports the Credit Committee and ensures strict adherence to internal risk policies and Austrian/EU regulations.

You will work in a dynamic environment, monitor covenants, review documentation, and contribute to risk reporting while enjoying a hybrid work arrangement and development opportunities.

Qualifikationen

• Minimum 5 years of experience in credit risk analysis or a similar role.
• Strong financial analysis skills.
• Analytical and detail-oriented mindset.
• Knowledge of corporate lending and risk assessment.
• Familiarity with EU/Austrian regulations.
• German language is an advantage.

Aufgaben

• Analyze credit proposals based on financial, industrial and structural factors.
• Perform financial analysis (balance sheet, cash flow, profitability, etc.).
• Prepare credit risk assessment reports.
• Support the Credit Committee’s decision-making process.
• Monitor covenants and conditions.
• Follow up on financial documentation.
• Coordinate with the relevant departments to obtain missing information.
• Ensure data completeness and accuracy.
• Apply internal credit policies and procedures.
• Identify and flag potential risks.
• Support risk mitigation actions.
• Contribute to reporting and process improvements.
• Monitor specialized lending exposures.

Kenntnisse

Credit risk analysis

Financial analysis

Analytical mindset

Communication skills

Teamwork

Ownership

Ausbildung

Degree in Finance/Economics

Jobbeschreibung

DenizBank AG, a member of the globally successful DenizBank Financial Services Group and Emirates NBD, is an Austrian universal bank with a strong presence in Austria and Germany. We are committed to provide our customers innovative and customized products and are looking for personalities, who continuously raise banking to a new level.

• Analyze credit proposals based on financial, industrial and structural factors, current market conditions and rating assessments
• Perform financial analysis (balance sheet, cash flow, profitability, etc.)
• Prepare credit risk assessment reports
• Support the Credit Committee’s decision-making process
• Perform & validate rating assessments
• Monitor covenants and conditions
• Follow up on financial documentation
• Coordinate with the relevant departments to obtain missing information
• Ensure data completeness and accuracy
• Apply internal credit policies and procedures
• Identify and flag potential risks
• Support risk mitigation actions
• Contribute to reporting and process improvements
• Monitor specialized lending exposures

What you bring to the table:

• Minimum 5 years of experience in credit risk analysis or a similar role
• Strong financial analysis skills
• Analytical and detail-oriented mindset
• Good communication and teamwork skills
• Sense of responsibility and ownership
• Structured and organized working style
• Degree in Finance, Economics or related field
• Knowledge of corporate lending and risk assessment
• Familiarity with EU / Austrian regulations
• German is an advantage
• Responsible tasks and the opportunity to actively contribute in a dynamic environment.
• Collaboration within a motivated, international, and highly skilled team.
• Individual development and training opportunities.
• Attractive benefits: staff canteen / meal subsidies, voluntary pension plan, employee discounts, hybrid work option, and more.

Minimum gross wage in accordance with the collective agreement:

Minimum gross wage in accordance with the collective agreement if the minimum requirements are met: EUR 3.375,40/monthwith willingness to overpay depending on professional experience and training. All job advertisements are aimed at all genders in the interests of equal treatment.