Senior Credit Risk Analyst (m/f/d)

DenizBank AG; Wien; Vor Ort; EUR 63.000 - 77.000; Vollzeit

Benefits dieser Stelle

Staff canteen

Pension plan

Employee discounts

Hybrid work option

Meal subsidies

Zusammenfassung

DenizBank AG is seeking an experienced credit risk professional in Austria to analyze credit proposals and perform financial analyses. The role supports the Credit Committee, monitors covenants, and ensures compliance with internal policies in a collaborative, international team.

The ideal candidate has 5+ years in credit risk analysis, strong financial skills, and knowledge of EU/Austrian regulations. A degree in Finance or Economics is required, German language is a plus, with a hybrid work

Qualifikationen

• 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.
• Knowledge of corporate lending and risk assessment.
• Familiarity with EU / Austrian regulations.
• German is an advantage.

Aufgaben

• 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

Kenntnisse

Financial analysis

Credit risk analysis

Data interpretation

Regulatory knowledge

Team collaboration

Responsibility ownership

Structured working style

Ausbildung

Degree in Finance, Economics or related field

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.