Nordea Finance Credit Officer

Nordea; Łódź; Hybrid; PLN 60,000 - 90,000; Full time

Benefits offered by this job

Hybrid working model

Diversity and inclusion

Job summary

Nordea Finance Model Implementation Team is seeking a Credit Officer to manage high- risk credits and support the implementation of new credit risk models and processes. You will work with colleagues across Nordea Finance and other Nordic countries to deliver timely, data-driven insights and compliant conclusions.

You will handle end-to-end tasks within predefined credit processes, align with model development programs, and contribute to the rollout of new credit risk changes while maintaining

Qualifications

• Experience in working with customers and proactive customer contacts.
• Proficiency in both Polish and English.
• Experience in credit risk management and credit analysis is seen as an advantage.

Responsibilities

• Manage the process related to retail Unlikeliness to Pay (UTP) to identify early signs of financial distress.
• Perform credit analysis according to approved instructions and guidelines.
• Provide value-adding analysis/deliveries to internal and external stakeholders to support business decisions.
• Contact customers when clarification is needed.
• Ensure high quality feedback to stakeholders across business areas.

Skills

Polish language

English language

Job description

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Credit Officer, Nordea Finance Model Implementation Team (permanent position)

Would you like to take up a new challenge in Nordea Finance and to be a part of a team supporting the implementation of new credit risk models in Nordea? We are looking for ambitious colleagues with strong communication and problem solving skills, analytical ability and a solution-oriented mindset.

About our team

Welcome to Nordea Finance Model Implementation Team. We add value to the entire Nordea Group and to our customers by managing and developing credit- and risk processes, robust credit risk-management and analysis. We are acting in strong collaboration with business areas and central functions within Nordea Finance as well as Nordea Group.

You will be a part of a team that will be involved in supporting the implementation of the changes related to the new credit risk models and credit risk processes as they are rolled out. The team’s focus is on specific activities performed based on pre-defined processes and the team’s performance is measured on both volume and quality criteria. You will have your colleagues in all Nordic countries and the local credit organisation to support you.

Collaboration. Ownership. Passion. Courage. These are the values that guide us in how we work and how we make decisions – and that we imagine you share with us.

What you’ll be doing

As a Credit Officer working with high risk credits and customers, you will play a key role in ensuring we are able to exceed customer expectations by providing high quality and fact-based conclusions within firm deadlines. You are also part of a group-wide program enhancing the credit risk processes in Nordea Finance and meeting the ever higher compliance demands.

You’ll work on specific parts of the credit process based on a predefined work instructions and system support. These are all linked to the new risk models being implemented as a part of the bank’s Model Development Program. Many of the processes are new and you will be also involved in developing and implementing these new processes.

Main responsibilities in this role:

• Manage the process related to retail Unlikeliness to Pay areas (UTP) with the objective of identifying customers’ financial distress at an early stage
• Perform tasks within credit process in Nordea Finance according to approved credit instructions and guidelines
• Perform credit analysis according to approved credit instructions and guidelines
• Provide value-adding analysis/deliveries to internal and external stakeholders to support business decision making
• Contact customers in situations when clarification is needed
• Ensure high quality feedback to our stakeholders (colleagues in other Business Areas like Business Banking customers)

Who you are

This is the right role for you if you have:

• Drive to exceed customer expectations
• Analytical mindset combined with attention to detail
• Ability to interpret and understand credit risk data
• High motivation to meet targets and continuously improve
• Courage to speak up when in doubt or you see possibility for improvement

Your background and skills include:

• Experience in working with customers and experience in proactive customer contacts
• Proficiency in both Polish and English
• Experience in credit risk management and credit analysis is seen as an advantage

This is an opportunity suited for candidates who are interested in credit risk and customer interaction and who are motivated to learn more in the field. The role requires a genuine willingness to learn and a proactive can‑do attitude.

What we offer

People come here when they want to get somewhere. For some, it’s to take their career to the next level. For others, it’s to break new ground within their area of expertise – in other words, with us, you will always move forward.

A culture that fosters performance and growth in one of the largest Nordic banks, offering various opportunities to evolve, develop and learn from brilliant colleagues with diverse backgrounds in a vibrant working environment.

Hybrid working model – we believe in the value of bringing people together and at the same time we embrace the freedom of flexibility.

Diversity and inclusion are a natural part of our daily work. We know that an inclusive workplace is a sustainable one. We genuinely believe that our diverse backgrounds, experiences, characteristics and traits make us stronger together. Every day we strive to find new ways to improve diversity and inclusion within our community e.g. we have signed the European Diversity Charters in the countries where we operate to show our commitment and engage with others to continue learning and improving.

If this sounds like you, get in touch!

We enable dreams and aspirations for a greater good.

We build relationships. We add a personal touch to everything we do – when advising our customers, collaborating with colleagues, and meeting our potential candidates.

We learn and develop. We take pride in being experts and thinking ahead. We use our expertise to meet our customers’ needs, from the simplest to the most complex. We bring a growth mindset to our work that enables us to focus on a broader perspective in our daily challenges.

We lead change. We are responsible and aware of the impact of our decisions, both for our customers and for our local and global communities. Mindful of our responsibility towards current and future generations, we have made sustainability an integrated part of our business strategy.

We are Nordea. We have a 200-year history of supporting and growing the Nordic economies and our values are deeply rooted in these open, progressive and collaborative societies. As one of the biggest employers in the Nordics, Poland and Estonia, you have excellent opportunities to evolve, develop and move forward with us.

We reserve the right to reply only to selected applications.

Department: Administration / Back Office / Support