Banka Amerikane e Investimeve - ABI Bank

  • Credit Risk Assessment Specialist

Tirane
Tipi
  1. me orar te plote
Fusha | Profili i punes
  1. Finance-Specialist | Banke / Sigurime
Gjuha
  1. Gjuha?
Eksperienca
vetem me eksperience
[FONT=&quot]Ref Job number: #005# Risk[/FONT]
[FONT=&quot]Job Title:[/FONT][FONT=&quot] Credit Risk Assessment Specialist[/FONT]
[FONT=&quot]Location: Tirana [/FONT]
[FONT=&quot]Region: Tirana [/FONT]
[FONT=&quot]Closing Date: 13 October 2015[/FONT]

[FONT=&quot]Credit Agricole Bank - Albania S.A[/FONT][FONT=&quot]., Crédit Agricole Group[/FONT][FONT=&quot],[/FONT][FONT=&quot]a market leader in universal customer-focused banking in France and one of the largest banks in Europe
seeks to serve the real economy by supporting its clients’ projects in all areas of retail banking and associated specialized business lines.
Emphasizing its values and its commitment, we are the bank of common sense. It puts the satisfaction and the interests of its 54 million customers, 160,000 employees, 1.2 million shareholders and 6.5 million mutual shareholders, at the heart of its activities. [/FONT]

[FONT=&quot]We are seeking to recruit[/FONT][FONT=&quot]: Credit Risk Assessment Specialist[/FONT]

[FONT=&quot]Job purpose[/FONT][FONT=&quot]: Assists the Head of Credit Risk Assessment Sector in the development of Credit Risk Assessment for Retail customers (SBE and Individuals) with reference to Bank’s internal policies and procedures, ensuring that the bank implements sound fundamental principles that facilitate the identification, measurement, monitoring and control of credit risk.[/FONT]

[FONT=&quot]Direct Reports to[/FONT][FONT=&quot]: [/FONT][FONT=&quot]Head of Credit Risk Assessment Sector[/FONT]

[FONT=&quot] Main Responsibilities:[/FONT]


  • [FONT=&quot]Estimates the financial data and financial analysis on each borrower (business activities and retail customers) clearly, identifying financial strengths and weaknesses.[/FONT]


  • [FONT=&quot]Assesses the credit worthiness of the borrowers according to local and group standards; [/FONT]


  • [FONT=&quot]Performs detailed assessments and critical in depth analysis of projection including comments on business/customers performance, debt repayment ability, liquidity, and refinancing risk.[/FONT]


  • [FONT=&quot]Evaluates the client’s ability as a going concern to meet contractual obligation towards the bank and validate the Customer Rating for the approval by the respective authorities. [/FONT]


  • [FONT=&quot]Gathers information about proposed borrowers in order to have clear information about the parties economically related even giving overall assessments of the sector when the client deals. [/FONT]


  • [FONT=&quot]Makes appropriate recommendations / opinions to Head of Sector regarding the credit proposals of new and existing customers. [/FONT]


  • [FONT=&quot]Prepares the Risk Decision Advice Note/ Credit Risk Opinion for Retail/Credit Committee.[/FONT]


  • [FONT=&quot]Gives risk consent for the pre-disbursement / renewal / amendment / rescheduling conditions.[/FONT]


  • [FONT=&quot]In case of persistent delays assesses the procedures proposed by business line to be applied in accordance with the restructuring and non-performing loans policy. [/FONT]


  • [FONT=&quot]Helps in ensuring that procedures comply with sector standards; [/FONT]


  • [FONT=&quot]Stays informed about the legal, compliance and market-risk-related issues involved in the approval of credit facilities. [/FONT]


  • [FONT=&quot]Advises and recommends changes in policies and procedures; [/FONT]


  • [FONT=&quot]Preparing periodic analysis of loan portfolio and credit risks.[/FONT]


  • [FONT=&quot]Monitoring of loan portfolio according to Credit Risk Policy regarding fulfillment of the conditions/covenants as per approval of the respective Approval Body.[/FONT]


  • [FONT=&quot]Assist other Risk Division colleagues related to support of the daily duties and fulfill the duties assigned by Head of the Sector.[/FONT]


  • [FONT=&quot]Liaises with other staff within the company, especially Business Line, Legal Office, Compliance Sector, Recovery Sector etc. to facilitate and approve transactions in compliance with the bank regulatory. [/FONT]


  • [FONT=&quot]Prepare other recurring duties required by the supervisors.[/FONT]



[FONT=&quot]The ideal Candidates should have[/FONT][FONT=&quot]:[/FONT]


  • [FONT=&quot]Critical thinking, very good analytical skills; [/FONT]
  • [FONT=&quot]Able to work under pressure and meet tight deadlines; working overtime may be required;[/FONT]
  • [FONT=&quot]Able to build constructive and cooperative working relationships with others, and maintaining them over time;[/FONT]

[FONT=&quot]Criteria to be fulfilled:[/FONT]
[FONT=&quot]
[/FONT]
[FONT=&quot]- [/FONT][FONT=&quot]University Degree in Economics, Finance or Business Administration;[/FONT]
[FONT=&quot]- [/FONT][FONT=&quot]At least two years of work experience in Credit Risk Analysis Sector or other similar positions;[/FONT]
[FONT=&quot]- [/FONT][FONT=&quot]Very good English skills in speaking and writing;[/FONT]
[FONT=&quot]
[/FONT]

How to apply:

Strong motivated candidates looking for a dynamic job and professional team are welcomed to apply by following these steps:

1- Properly fill our standard application form available to be downloaded. We kindly advise to carefully fill all required info and obligatory fields. For downloading the application form, please click here.

2- Submit the completed application form by sending it only through this e-mail address jobapplication@credit-agricole.al

3- In the e-mail subject please specify clearly the position reference number.

Please note that only shortlisted candidates will be further contacted from our HR specialists.
 


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