Senior Corporate Credit Analyst - Flexible Location

Aion Bank; Warszawa; On-site; PLN 180,000 - 260,000; Full time

Benefits offered by this job

Individual Development Budget

Flexible work location

VIP private medical care

Dental treatment

Hospitalisation package

Psychological consultations

Multisport card

Apple MacBook

Healthy snacks

Job summary

UniCredit Poland in Warsaw is seeking a Corporate Credit Analyst to join our team. You will prepare credit papers for corporate clients, build cash flow forecasts, assess financial health under IFRS, and support rating decisions with risk-focused analysis.

You will interact with CFOs, collaborate with Relationship Managers, and contribute to portfolio monitoring, financing structures, and annual reviews. Fluent English and Polish, plus a finance qualification, are required; CFA/ACCA is a strong

Qualifications

• Bachelor’s or Master’s degree in Finance, Accounting, Economics, Corporate Banking, or related field.
• Minimum 5 years of experience in corporate credit analysis in corporate banking or risk departments.
• Strong knowledge of accounting principles, financial regulations, and collateral structures.
• Hands-on experience in financial statement analysis and multi-year cash flow forecasting.
• Fluency in English and Polish for credit papers and Group Committees.

Responsibilities

• 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 forecast cash flows for CAPEX and investments.
• Simulate internal ratings and drive the rating approval process.
• Structure financing transactions by selecting banking products, setting covenants, and evaluating collateral.
• Coordinate internal reviews and negotiate with stakeholders.
• Lead annual and semi-annual reviews of existing client relationships.
• Monitor portfolios, verify covenant compliance, and update internal ratings.
• Meet with clients and CFOs to gather data, understand business models, and support relationship building.
• Collaborate with Relationship Managers to optimize financing and cross-sell opportunities.

Skills

Finance background

Corporate credit analysis

Cash flow forecasting

IFRS knowledge

Credit facilities & covenants

English & Polish

Analytical rigor

Communication & negotiation

Independent work

CFA/ACCA asset

Education

Bachelor’s or Master’s degree in Finance/Accounting/Economics/Corporate Banking

Tools

IFRS

Job description

UniCredit Poland in Warsaw is seeking a Corporate Credit Analyst to join our team. You will prepare credit papers for corporate clients, build cash flow forecasts, assess financial health under IFRS, and support rating decisions with risk-focused analysis.

You will interact with CFOs, collaborate with Relationship Managers, and contribute to portfolio monitoring, financing structures, and annual reviews. Fluent English and Polish, plus a finance qualification, are required; CFA/ACCA is a strong