Location: Amsterdam, The Netherlands

About SME Bank

SME Bank is a rapidly expanding neo bank revolutionizing European markets by moving beyond traditional, slow banking. We are dedicated to providing fast financing solutions to Small and Medium-sized Enterprises (SMEs), recognizing their vital role as the engine of the economic environment. Our innovative banking system, world-class database integrations, and unparalleled risk management solutions enable us to serve clients globally.

Why Join Us?

This is a chance to not only foster your professional growth but also to be a key part of a growing neo bank. You will collaborate with experienced banking professionals and team leaders who promote idea sharing, encourage taking ownership, and are always receptive to new initiatives.

Your Responsibilities:

As a Financial Analyst, you will be part of the Front office team, reporting to the Country Head and play a vital part in our credit risk function, focusing on financial and credit analysis, monitoring, and risk assessment. Key responsibilities include:

• Conducting Credit risk assessments for both potential and current customers and counterparties
• Preparing the underwriting package and submit to credit committee
• Providing independent oversight, monitoring, and management of credit risk to ensure compliance with internal standards and regulatory requirements.
• Analyzing the impact of credit ratings and risk metrics, performing scoring validity checks, and offering insights for process improvements.
• Collaborating with the Country Head and Head of Credit Risk to prepare and update credit-related policies and procedures, according to the local market standards.

What You’ll Bring:

Essential Qualifications:

• At least 2 years of prior work experience in financial analysis, credit risk analysis, business analysis, or financial control, preferably within the banking sector.
• Excellent analytical and problem-solving abilities with a strong commitment to attention to detail.
• Essential proficiency in Excel, including Pivot Tables and VLOOKUP.
• A solid understanding of financial analysis, financing ratios, collateral structures, and the loan granting process stages.
• Proficiency in written and spoken Dutch and English.

Highly Desired Skills (Advantageous):

• Knowledge of EBA guidelines, credit risk assessment rules, grouping of connected clients, and the provisioning of doubtful assets.
• Familiarity with the legal acts of the EU and the Netherlands regulating financial and credit institutions.

Benefits and Culture

We offer a comprehensive package designed to support your work-life balance and development:

• Time Off & Development: Paid vacation according to company policy, an extra day off on your birthday, additional tenure-based days, dedicated self-learning time for development, and an annual paid ‘trust day’ for personal use.
• Flexible working environment: we encourage working at the office to collaborate with your colleagues to the benefit of each, whilst also accommodating what serves you best personally. Or ask about our working abroad guidelines if that’s your preference! 
• Recognition & Support: A strong culture of recognition, including prizes, rewards, paid trips, gifts, and individual/team awards. We also provide branded birthday gifts, financial support for weddings and newborns, extra time off, and compassionate time off with financial support during challenging times.
• Work in the centre of Amsterdam: our office in WeWork Weesperstraat in the centre of Amsterdam is a vibrant location, and a hub for startups and scaleups, accessible 24/7
• Market standard salary: indicative 70.000,- gross annual salary
• Holiday and days off: 25 days of paid holiday and 1 up to 7 additional loyalty days-off, 1 discretionary trust day, birthday day-off, and a volunteering day.

Apply by sending your CV to [email protected]

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