RETAIL CREDIT ANALYST

Responsibilities:

• Makes the preliminary verifications of the loan application documents sent by the Branches for granting lending facilities to private individuals/PFA/PL;
• Requests to the branches the related, missing documentation for analysis of the loan proposed;
• Makes the verification of data bases with information about the respective client, its incomes and repayment behaviour;
• Makes the analysis of the new loan applications and prepares the new credit proposals;
• Ensures the analysis of the requests for changes to the terms and conditions of the existing credit relationship or other specific requests for modifications / consents of the existing clients;
• Ensures the timely and proper informing the Branches/ Agencies upon the loans decisions (. approvals, rejections, motives, answer letters, etc.);
• Keeps in order the files for each customer, archiving correctly and in proper time;
• Uploading/sending the loan applications to the Guarantee Funds (ex. ‘PRIMA CASA’ program) in the specific format requested and described in the procedures;
• Calculates and periodically updates the financial performance of the retail clients;
• Follows the working safety regulations.
  
  Requirements:

• University graduate – preferably from Finances/ Economics/ Business Administration;
• Minimum 2 years of experience in a similar job
• Good knowledge of credit analysis and consumer protection related legal frame;
• Good analytical skills, synthetic mind;
• Good communication skills, observation spirit and speed of reaction;
• Proficiency in English is mandatory;
• Computer knowledge (Windows, Word, and Excel).