SME Credit Risk Analyst
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Job Location:
Monthly Salary:
Posted on:
13 hours ago
Vacancies:
1 Vacancy
Job Summary
What we do
Aion belongs to one of the largest financial groups 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 a universal bank. We draw on 150 years of experience and the unique expertise of our teams acting as the Groups 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.
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.
We are looking for a SME Credit Risk Analystto join us at this pivotal moment share our vision and help shape the future of European banking.What you will be doing
Key Responsibilities:
Credit Underwriting & Decisioning:
Perform comprehensive financial analysis of SMEs including P&L Balance Sheet and Cash Flow assessment.
Evaluate Complex Cases that exceed automated scoring thresholds providing expert judgment on credit applications.
Analyze CRC (Central de Responsabilidades de Crédito) reports to assess current indebtedness and repayment behavior.
Financial Statement Analysis:
Interpret Portuguese accounting documents (IES and Balancetes) with focus on EBITDA Debt-to-Equity and Liquidity ratios.
Use Informa D&B or other bureau data to identify Ultimate Beneficial Owners (UBO) and potential inter-company risks (group exposure).
Risk Mitigation & Structure:
Propose appropriate credit structures including collateral requirements personal guarantees or specific covenants to mitigate identified risks.
Review and validate the Affordability and DSTI for SME owners and their businesses.
Portfolio Monitoring:
Monitor the performance of the SME portfolio identifying early signs of deterioration in specific sectors or individual clients.
Feedback Loop for Automation:
Provide regular feedback to the Process Analysts to refine automated scoring models based on observed manual override patterns.
Skills you should have
Experience:5 years of experience in SME credit underwriting (preferably within banking or financial services) with exposure to unsecured lending products.
Strong analytical skills: Ability to assess financial data credit bureau reports and other risk indicators to evaluate creditworthiness.
Attention to detail:Strong ability to identify risk factors inconsistencies and potential fraud indicators.
Decision-making capability:Confidence and accountability in making credit decisions or providing clear recommendations.
Understanding of credit risk:Solid knowledge of credit risk management principles and unsecured retail lending products.
Analytical & Critical Thinking:Ability to look beyond the numbers to understand the business model and market position of the borrower.
Communication skills:Clear and structured verbal and written communication especially when documenting credit decisions.
Time management:Ability to work efficiently in a high-volume deadline-driven environment.
Team player:Strong collaboration skills and willingness to work across functions and geographies.
Regulatory knowledge:Understanding of retail lending regulations and compliance standards.
Language skills:Must be able to communicate well inEnglish.
Education:Bachelors or Masters degree in Finance Economics Statistics Mathematics Computer Science Econometrics or a related field (nice to have).
What we offer
We provide our team members with Apple MacBooks to ensure a seamless work and superior user experience.
Flexible Work Model: We offer a hybrid approach with a monthly allowance to support your home office costs
Health & Wellbeing: You and your closest family (spouse and dependents) will be covered by comprehensive private healthcare.
Meal Support: We help fuel your day with meal vouchers.
Our process
Step 1:Talk with one of our Recruiters about your to date experiences and ambitions
Step 2:Meet with your future Team Manager to deep dive on the role specifics and our work environment
Step 3: Meet with Head of Country
Our note to you
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 youre 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!
About us
Required Experience:
IC
Key Skills
- ISO 27001
- Microsoft Access
- Risk Management
- Financial Services
- PCI
- Risk Analysis
- Analysis Skills
- COBIT
- NIST Standards
- SOX
- Information Security
- Data Analysis Skills
