We are seeking a motivated and detail-oriented Credit Analyst (2^nd line) to join our Credit Risk team. This is an exciting opportunity to contribute to the bank’s risk management framework and support sound credit decision-making. You will work closely with experienced professionals and play a key role in assessing and monitoring credit risk across a diverse portfolio.

In this role you will:

• Collaborate within a team of 4, including senior colleagues, to ensure smooth credit analysis and risk assessment processes.
• Conduct credit risk assessments of potential and existing business customers and counterparties.
• Ensure high-quality documentation for the credit underwriting process.
• Take holistic responsibility for credit risk management activities.
• Support in preparing, updating credit related policies and procedures and support provisioning/ accrual process;
• Support the development and maintenance of credit-related policies and procedures.
• Assist in provisioning and accrual processes related to credit exposures.
• Contribute to internal and external reporting, including audit support in the credit area.
• Provide analytical input for risk management strategies, policy formulation, and functional risk decisions.

What you need to succeed:

• University degree in Economics, Business, Finance, Banking, Econometrics or similar;
• Prior work experience (at least 2 years) in credit risk analysis, business financing or related field, preferably in banking sector;
• Good understanding of financial analysis, financing ratios, collateral structures and other stages of loan granting process.
• Knowledge of EBA guidelines, credit risk assessment rules, grouping of connected clients and client monitoring;
• Knowledge of the legal acts of the EU and the Republic of Lithuania, that are regulating the activities of financial and credit institutions;
• Be able to collect, systematize, analyse data and information;
• Good command of MS Excel and MS Word;
• Proficiency of both English and Lithuanian in writing and speaking.

What we offer:

• Paid vacation as per the company’s time-off policy, with an extra day off on birthday, additional days based on tenure, self-learning time for your development, and a paid trust day annually for personal use.
• Private health insurance (activated post-trial period).
• Workplace flexibility.
• A culture of recognition, with prizes, rewards, paid trips, gifts, and individual/team awards.
• Branded birthday gifts, financial support for weddings and newborns, along with extra time off. We provide compassionate time off and financial support during challenging times.
• Company events and activities biannually.

Gross salary from 3000 EUR/month.

Apply by sending your CV to [email protected]

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