Corporate Credit Analyst

UniCredit Group; Województwo mazowieckie; Hybrid; PLN 200,000 - 320,000; Full time

Benefits offered by this job

Individual Development Budget

Flexible work location: home/office

VIP-level private medical care

Dental treatment

Hospitalisation package

Psychological consultations

Multisport card 50% subsidised

Apple MacBook equipment

Healthy snacks at Warsaw office

Job summary

UniCredit Poland is seeking a Corporate Credit Analyst to join our Warsaw-based team. You will perform in-depth fundamental analyses of corporate clients, build cash-flow models, and drive rating decisions to support financing solutions.

The role involves close collaboration with Relationship Managers, evaluating complex group structures, and presenting findings to Group Committees. A strong command of English and Polish is essential.

Qualifications

• Bachelor’s or Master’s degree in Finance, Accounting, Economics, Corporate Banking, or related quantitative field.
• Minimum 5 years of experience in corporate credit analysis in corporate banking or risk.
• Strong knowledge of accounting, regulations and collateral structures.
• Hands-on experience in financial statement analysis, long-term cash flow forecasting, rating simulations and stress testing.
• Understanding of corporate credit facilities and governance policies.
• Fluency in English and Polish to prepare papers for Committees.
• High analytical rigor with ability to evaluate complex group structures.
• Excellent communication, collaboration and negotiation skills.
• Proactive, detailed, independent with time management under pressure.
• CFA/ACCA or equivalent credentials are a strong asset.

Responsibilities

• Prepare comprehensive credit applications for corporate clients and groups based on deep fundamental analysis.
• Assess financial health using local standards and IFRS; build financial models and cash-flow forecasts.
• Simulate internal ratings and drive the rating approval process.
• Structure financing transactions with appropriate products, covenants, and collateral.
• Coordinate internal reviews and negotiate with stakeholders.
• Lead annual and semi-annual reviews of existing relationships.
• Monitor portfolios, verify covenant compliance, and update internal ratings.
• Meet with clients and CFOs to gather data and understand business models.
• Work with Relationship Managers to optimize financing and cross-sell opportunities.

Skills

5+ years corporate credit analysis

English Polish fluency

Analytical rigor

Communication skills

Cross-functional collaboration

Negotiation skills

Independent work ethic

CFA/ACCA asset

Education

Bachelor’s or Master’s degree in Finance, Accounting, Economics, Corporate Banking, or related field

Job description

What we do?

UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 20 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan-European innovation hub.

We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.

Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals.

We are looking for a Corporate Credit Analyst to join us at this pivotal moment, share our vision, and help shape the future of European banking.

What you will be doing?

• Prepare comprehensive credit applications for corporate clients and capital groups based on in-depth fundamental analysis
• Assess clients' financial health using local accounting standards and IFRS, build financial models, and prepare cash flow forecasts for CAPEX and investment projects
• Simulate internal client ratings and drive the rating approval process
• Structure financing transactions by selecting appropriate banking products, setting financial covenants, and evaluating collateral
• Coordinate the internal review process and negotiate directly with the process stakeholders
• Lead mandatory annual and semi-annual reviews of existing client relationships
• Conduct ongoing monitoring of the assigned portfolio, verify financial covenant compliance, and update internal ratings
• Participate in direct meetings with clients and CFOs to gather necessary financial data, understand business models, and support relationship building
• Collaborate closely with Relationship Managers and sales units to optimize portfolio financing and support cross-selling activities

Skills you should have

• Bachelor’s or Master’s degree in Finance, Accounting, Economics, Corporate Banking, or a related quantitative field
• Minimum 5 years of experience in corporate credit analysis gained in corporate banking business or risk departments
• Strong knowledge of accounting principles, financial regulations, and collateral structures
• Hands‑on experience in corporate financial statement analysis, multi‑year cash flow forecasting, rating simulations, and debt‑capacity stress testing
• Solid understanding of corporate credit facilities, standard banking products, and credit governance policies
• Fluency in English and Polish to analyze local financials and prepare credit papers for Group Committees
• High analytical rigor with the ability to evaluate complex group structures and identify key credit risk drivers
• Excellent communication, cross-functional collaboration, and negotiation skills
• Proactive, detail‑oriented mindset with the ability to work independently and manage tasks effectively under time pressure
• Professional certifications such as CFA, ACCA, or recognized credit risk management credentials are a strong asset

What we offer

You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.
You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.
If your role permits, we also offer flexible work location: home/office — according to your preference.
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package.
We care for our colleagues’ well being, therefore we cover psychological consultations if you ever feel you need such support.
We co-sponsor your Multisport card and cover 50% of its cost.
You will work on computer equipment that delivers the best user experience —Apple MacBook.
Our office in Warsaw offers healthy snacks throughout the day.

Our process

We keep our recruiting process simple.
Step 1:Talk with one of our Recruiters about your to date experiences and ambitions
Step 2:Meet with your future Team Manager to deep dive on the role specifics and our work environment

Our note to you

We are an equal opportunity employer. We stand together in nurturing a workplace that welcomes diverse thinking and inclusive behaviors. By embracing diversity of thought and making all voices heard regardless of background, we drive innovation, sustainable growth, and new business opportunities. This inclusive approach enhances our work climate, directly boosting our people's productivity, well‑being, and engagement.
Our Values -Integrity, Ownership, Caring- are more than just words. They are actions. Mandates. Pledges. When we all commit to these shared Values, we will deliver for our clients. And delivering for our clients - in any way, large or small - is how we fulfil our Purpose.
We appreciate your time and application. Please note that we reserve the right to contact selected candidates.

Good luck!