Senior Corporate Credit Analyst - Hybrid & Development Budget

Aion Bank; 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

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.