SME Credit Risk Analyst

UniCredit in Poland is part of one of the largest banks in Europe, serving over 15 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of an international financial institution. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan-European innovation hub.

We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.

Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals.

• Analysing SME and micro business clients in granting and monitoring processes - conduct in-depth financial assessments to define appropriate credit limits
• Participate in credit decision-making processes
• Manage a portfolio of loans and the relationship with clients with regard to credit risk
• Perform data analysis to derive portfolio insights and improve risk management strategies
• Perform counterparty limits - granting, monitoring, ad-hoc credit reviews, Group reporting
• Develop and refine credit risk policies, processes and risk frameworks

• Minimum 5 years of experience in SME / micro banking (especially Poland)
• Broad Knowledge of SME credit risk processes
• Knowledge of collaterals with emphasis on Polish regulatory requirements
• B.S. or Master's Degree in banking,  economics, finance or related
• Understanding of credit bureaus and the type of data provided by them
• Good communication skills as well as strong presentation abilities  
• Team player, ability to build good interpersonal relationships and like to work in close partnership with the people in the business
• Ability and openness to work in a dynamic team
• Knowledge of SQL
• Fluency in English

Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.

Please note that we may close a job posting early if we receive a large number of exceptional applications.

Good luck!