Credit Analyst (SME segment)

Our team is expanding and we are looking for a new team member in Corporate Department‘s Credit Analysis Unit and will be responsible for performing credit analysis and disclosing risks of assigned SME segment customers in accordance with the policies and instructions. You will cooperate closely with the customer relationship managers and their teams in preparing financing proposals for consideration in the Bank’s credit committees.

This is the time full of new opportunities and chances to stand up and bring out the best in you!

Conduct independent credit risk analysis and risk classification of assigned SME segment customers. As part of this process you will:
evaluate/adjust customer’s financial figures in order to make grounded statements about the customer’s financial performance, ability to generate cash and cover financial liabilities
calculate credit risk grade of the customer
prepare financial part of a credit application and comprehensive client risk assessment; provide advice on how to minimize possible customer credit risk, identify alternative solutions; deliver findings to Bank's decision-making structural units
participate in credit committees, in customer teams, in meetings with clients and support relationship managers in structuring financing to customers
Maintain credit material quality and meet delivery targets
Recognize early warning signals to ensure no surprises
Monitor fulfilment of established financial covenants

University degree in Economics, Business Management, Finance, Banking, Econometrics or similar
Professional level of English (written/spoken): sufficient skills for conversations or presentations; able to discuss professional fields with reasonable ease
Fluent in Lithuanian
Prior work experience (1-2 years) in financial analysis
Good knowledge of bank credit products
Ability to perform well in diverse and dynamic teams
Understanding and successful application of customer relationship concept

Dynamic and International working environment that is filled with interesting challenges and opportunities as we build and innovate a new bank together
Varied opportunities to support your professional and personal development and growth
A competitive benefits package in addition to your salary
An additional benefits package for employees after 1 year in the company, which includes additional days of vacation
A collaborative and supportive team where you can create and implement ideas
A salary range for this position from 2000 EUR (Gross*), which is to be determined depending on the level of experience and competencies of the selected candidate