RISK MONITORING ANALYST
VOLUNTARI, IF, RO
Job profile
Assess creditworthiness by reviewing financial data, assigning credit ratings, and evaluating the suitability of credit limits and terms for allocated portfolio. Constant and close monitoring of clients portfolio financial evolution, loan performance and customer payment behaviour to ensure the health of the loan portfolio.
Responsibilities
- Continuously monitor borrowers' financial health, track changes in their credit risk profiles, and identify early warning signs of potential credit issues and suggest appropriate risk mitigation measures, such as collateral or credit enhancements.
- Perform periodic review of the collateralized portfolio evolution (coverage ration, collateral updated valuation and market trends) related to allocated portfolio
- Maintain company data base related to covenant monitoring and trigger monitoring requirements for various customers in the portfolio and provide reports to the Management Committee related to allocated portfolio
- work with commercial, collections and recovery teams to devise resolution strategies
- Attend customer meeting with commercial team
- Ensure compliance with all relevant regulations and internal credit policies, and stay updated on changes in regulatory requirements for credit risk management.
- Prepare and share regular reports on credit risk exposure with senior management and stakeholders, highlighting key indicators and portfolio insights.
Skills
- Bachelor’s degree in finance/economy/accounting
- Minimum of 3-5 years of work experience in credit monitoring and evaluation, financial data analysis (financial services industry)
- Previous Workout experience is an advantage (files in legal proceedings)
- Advanced skills using Microsoft Excel and other financial analysis tools
- Excellent financial data analysis and interpretation skills.
- Enable soft - skills: communication, negotiation, ability to analyse and synthesize
- The ability to work independently as well as in a team.
- English language – advanced level
Reports to Risk Manager