Retail Credit Analyst - Sogelease

 BUCURESTI - Romania       Fixed term contract        Risks


About the Job:
  • One year contract position with opportunity for extension or hire based upon performance and continued business need
  • Reports to: Chief of Department for Retail Business

Purpose of the Position:

  • Underwriting of retail lease exposures (SMEs with turnover < EUR 1000,000 and aggregated financial debts < EUR 300,000), for average deal tickets < 75,000 EUR
  • Key Performance indicators: volumes underwritten, time-to-approve, quality of credit recommendations (i.e. control over cost of risk i.e. non-performing retail exposures); ability to articulate grounds for approve/reject decisions, ability to devise tailor made solutions in particular cases

Position Content:

  • Assessment of SMEs credit risk exposures stemming from leases or loans using credit-scoring systems, and also by analyzing and interpreting financial and non-financial information, in line with the internal procedures and policies, to capture trend, credit quality and red flags
  • Completing loan application forms, recommending financing structures and proposing risk offsetting terms for lending, submitting the credit documentation to relevant credit authority for approval, if own credit delegated limits for approval are exceeded
  • Keeping company credit exposures within set risk bearing limits
  • keeping knowledge of key issues up-to-date (for example legal, market risk and compliance issues)
  • Helping to enhance the quality of credit applications
  • Making recommendations about procedural/policy changes
  • Implication in transversal projects across organization

All our positions are open to people with disabilities


Knowledge, Experience and Educational Level

  • Bachelor’s Degree (ideally in finance, accounting, economics)
  • Minimum 2 years of credit risk underwriting experience required (preferably within a leasing company or a Bank). Relevant retail SMEs lending (including car loans/leases) is a plus
  • Good knowledge of basic accounting principles and concepts, credit principles and general credit policies
  • Extra-qualifications in business studies, management, statistics, finance, mathematics, accounting or economics are a plus

Skills Required:

  • Strong organizational skills: ability to handle workload assignment and multiple priorities, meet tight deadlines and productivity standards
  • Sound and fast judgement: ability to extract and analyze data, summarize findings, making pertinent recommendations based on identified risks associated with a financing proposal, as well as ability to support such opinion
  • Self-starter, with ability to take initiative, make decisions and assume ownership, ability to work with minimal or no supervision while performing duties 
  • Strong customer service mind-set
  • Good grasp of corporate finance analysis (ability to analyze cash flows, leverage, collateral and customer strength)
  • Adherence to detail, efficiency and accuracy
  • Communicative and team player
  • Good written and fluent spoken English
  • Good command of Microsoft Office (Word, Excel), MS Windows and Internet Explorer, Outlook or other e-mail and collaboration tools


Risk department

Job code: 190007RW
Business unit: BRD
Starting date: Immediate
Date of publication: 13/08/2019
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Retail Credit Analyst - Sogelease

Fixed term contract   |   BUCURESTI - Romania   |   Risks