Senior Credit Risk Analyst

Malta Island
€45,000-55,000 per year
Permanent
Full-time

28 days ago

Life @ FIMBankFIMBank's success story is attributed to the dedication and commitment of our team. Every employee is a champion of the FIMBank brand and its underlying promise of quality, dynamism, commitment, and innovation. All our employees are given the opportunity to develop as professionals and to advance in their careers through our learning and development programmes.About the JobThe Senior Credit Risk Analyst will be responsible for assessing the creditworthiness of corporate clients, including evaluating risks of trade finance transactions provide recommendations for lending decisions and structuring of credit facilities. The role requires strong analytical skills, financial acumen, and a deep understanding of international trade instruments.Responsibilities:Corporate Finance

Analyse corporate financial statements
Assess credit risk pertaining to loan type and structure for new and existing clients
Prepare detailed credit memos and recommendations for loan approvals
Monitor portfolio performance and assist with the compilation of portfolio reviews

Trade Finance

Review and evaluate trade finance loan structures and documentation (e.g. letters of credit, guarantees, documentary collections)
Liaise with internal teams to assist with structuring trade finance solutions
Ensure compliance with international trade regulations and internal policies
Monitor trade finance exposures and transaction lifecycle and assist with the compilation of portfolio reviews

Qualifications & Skills:Skills & Qualifications

Bachelor's degree in Banking & Finance, Accounting, Economics, or related field
3-5 years of banking experience in credit analysis, corporate banking, or trade finance
Strong understanding of financial ratios and credit risk metrics
Proficiency in financial modelling and Excel
Excellent written and verbal communication skills
Ability to manage multiple priorities in a fast-paced environment

Preferred Experience

Cross border trade finance transactions
Familiarity with ICC rules (e.g. UCP 600, ISBP)
Experience with credit rating methodologies and risk scoring systems

What we offer:

Attractive salary;

Health, Life and Personal Accident insurance cover;
Pension plan;
Welcoming and professional environment;
Work with a proactive, forward looking Team;
Professional growth; and
Internal/External Learning and Development opportunities.

FIMBank

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