(Senior) Credit Analyst

EuroLUX Consulting; Opin; On-site; PLN 150,000 - 210,000; Full time

Job summary

EuroLUX Consulting is seeking an experienced credit analyst for a corporate banking role in the city centre. You will perform independent, high-quality credit analyses and present recommendations to the Credit Committee throughout the investment lifecycle.

The role requires strong analytical skills, excellent attention to detail, and fluency in English. A banking or finance degree and at least five years’ experience in corporate banking are expected.

Qualifications

• Strong analytical and financial assessment skills.
• Ability to explain complex information clearly.
• Ability to form independent credit opinions and recommendations.
• Structured approach to credit analysis and attention to detail.
• Fluency in English; additional languages useful.

Responsibilities

• Conduct detailed financial, commercial and credit analysis of corporate clients.
• Prepare high-quality credit applications and proposals for Credit Committee.
• Present credit applications and recommendations to the Credit Committee.
• Perform ongoing financial surveillance of corporate clients and exposures.
• Monitor loan exposures and covenants; escalate risks as needed.
• Support Relationship Managers in meetings and business development.
• Balance commercial objectives with prudent risk management.

Skills

Analytical skills

Credit analysis

Communication

Team collaboration

Fluent English

Education

Bachelor’s or Master’s degree in Banking or Finance

Job description

As an experienced credit analyst in the corporate banking sector, our client will offer you an exciting opportunity to join their team in the city centre. You’ll work on a range of high profile matters, creating scope for professional challenge and continued learning.
The role will require you to perform independent and high-quality credit analyses, working closely with internal colleagues across teams and the Credit Committee to provide expert credit advice throughout the investment lifecycle.
Main Duties and Responsibilities:
Conduct detailed financial, commercial and credit analysis of existing and prospective corporate clients. You must have experience of the assessment in the context of major lending activity across syndicated and structured lending activities.
Prepare high-quality, comprehensive credit applications and transaction proposals, formulating independent credit opinions.
Present credit applications and recommendations to the Credit Committee.
Perform ongoing financial surveillance of corporate clients and counterparties.
Monitor existing loan exposures, including financial covenants, and contractual obligations.
Identify emerging credit risks and changes in credit quality, ensuring appropriate escalation.
Support the Relationship Managers in client meetings and in their business development.
Balance commercial objectives with prudent risk management.
Contribute to the development and improvement of tools and procedures and ensure the credit activities comply with the Bank’s policies.

CandidateRequirements

Bachelor’s or Master’s degree ideally in Banking or Finance
You must be prepared to work in the office full time (no regular homeworking permitted, albeit there is flexibility under certain circumstances). The idea is foster a collegiate environment, enabling colleagues to learn from each other and share knowledge every working day.
A minimum of 5 years of experience in a similar position in a commercial bank dealing with corporate and institutional clients working on syndicated loans, bonds, bilateral loans etc…
The ability to explain complex information clearly
Strong analytical and financial assessment skills
The ability to form independent credit opinions and recommendations
Strong attention to detail and a structured approach to credit analysis
The ability to work effectively with Relationship Managers, senior management, clients and internal stakeholders
Ability to balance commercial considerations with sound risk management principles
Excellent professional judgement, sense of integrity and a strong commitment to confidentiality and risk governance
Fluency in English is required; additional European languages, particularly French or German would be useful