Scope and Purpose

Overview:
The ideal candidate will have a strong background in analyzing credit data and financial information to assess the creditworthiness of potential and existing customers within a diversified corporate client portfolio.

Main activities:

• Support the Credit Department team in the decision making process related to customer credit applications in compliance with the internal and external regulations in force
• Examine corporate information, financial transactions, analyze and evaluate corporate financial data by developing internal financial model
• Prepare and analyze financial projections (alongside cash-flow and profitability vulnerability, via ratio analysis and/or stress testing)
• Assess the dynamics and nature of the Client's industry, including key risk aspects and the Client's competitive positioning within its industry
• Discuss of management strength, experience and track record and corporate governance more broadly
• Perform a Client's strategy assessment and associated execution risks
• Evaluate funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity
• Assess other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness
• Contribute to the development, improvement, and implementation of best practices, guidelines, procedures
• Prepare credit applications to be submitted to the decision-making bodies within the credit granting decision process
• Interact with all functions involved in the credit granting process and liaise with relevant stakeholders of business units of the Bank and the Group for credit-related matters

Required Experience

• Minimum 3/4 years of experience working in the same role
• Work experience in finance or credit analysis in banks

Competencies Required

• Master degree in Banking, Finance, Accounting, Economics
• Proficiency in financial analysis, risk assessment and developing financial models
• Proficiency in reading and analyzing financial statements
• General knowledge of international business and knowledge of financial products, Finance, Accounting
• Strong quantitative and analytical skills
• Good knowledge of MS Office Suite with strong knowledge of excel
• English-fluent (both written and spoken)
• Italian would be a plus

In accordance with the law of July 23, 2016 (Art. 8-5), and as part of Intesa Sanpaolo Bank Luxembourg pre-hire background screening process, we apply a risk-based approach to determine the requirement of carrying out such checks on candidates, including criminal record checks. This role is judged to be sufficiently sensitive to warrant carrying out a criminal record check. By applying to this job you are consenting Intesa Sanpaolo Bank Luxembourg to completing background checks including criminal record checks