Senior Corporate Credit Analyst - Hybrid Work

Aion Bank; Polska; Híbrido; PLN 180.000 - 280.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Flexible work location

Private medical care with dental

Psychological consultations

Multisport card 50% covered

Apple MacBook equipment

Healthy snacks in Warsaw office

Descripción de la vacante

UniCredit in Poland is seeking a Corporate Credit Analyst to join its innovative banking team. You will prepare credit papers for corporate clients, assess financial health using IFRS, build models, and run cash flow forecasts for CAPEX and investments.

You will structure financing, drive rating approvals, and monitor existing relationships, coordinating with Relationship Managers to optimize portfolios and cross-sell banking products.

Formación

• Bachelor's or Master's degree in Finance, Accounting, Economics, Corporate Banking, or a related quantitative field.
• Minimum 5 years of corporate credit analysis experience.
• Strong knowledge of accounting principles, IFRS, and collateral structures.
• Hands-on experience in corporate financial statement analysis, multi-year cash flow forecasting, rating simulations, and debt-capacity stress testing.
• Fluency in English and Polish to analyze local financials and prepare credit papers.
• Professional CFA/ACCA or similar credentials are a strong asset.

Responsabilidades

• Prepare comprehensive credit applications for corporate clients based on in-depth fundamental analysis.
• Assess clients' financial health using local standards and IFRS, build financial models, and prepare cash flow forecasts.
• Simulate internal client 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 process stakeholders.
• Lead annual and semi-annual reviews of existing client relationships.
• Monitor portfolio, verify covenant compliance, and update internal ratings.
• Participate in meetings with clients and CFOs to gather data and support relationship building.
• Collaborate with Relationship Managers to optimize portfolio financing and cross-sell.

Conocimientos

Financial statement analysis

Cash flow forecasting

Credit risk assessment

Portfolio monitoring

Negotiation skills

Communication skills

Educación

Bachelor's or Master's degree in Finance, Accounting, Economics, Corporate Banking, or a related quantitative field

Descripción del empleo

UniCredit in Poland is seeking a Corporate Credit Analyst to join its innovative banking team. You will prepare credit papers for corporate clients, assess financial health using IFRS, build models, and run cash flow forecasts for CAPEX and investments.

You will structure financing, drive rating approvals, and monitor existing relationships, coordinating with Relationship Managers to optimize portfolios and cross-sell banking products.