Expert Financial Analysis

ProCredit Bank Bulgaria is part of the international ProCredit Group, which is headquartered in Frankfurt, Germany. We are a flexible and innovative bank. We are pioneers in the modern and pragmatic banking solutions, personally tested by us, that have positive impact for our customers. We are constantly optimizing our processes, improving the customer experience every day. We stand out with convenient and fast digital banking, clear and transparent conditions, high quality of service. For us, the topic of environmental protection, social responsibility and people's education is not a trend, but a permanent attitude. We believe that people are the engine of change and the instigator of innovation.

ProCredit Bank is currently seeking a qualified candidate for the position of Expert Financial Analysis for our branch in Thessaloniki.

Responsibilities:

• Perform in-depth financial analysis (revenues, profitability, leverage, liquidity, cash flow), including annual monitoring
• Visit the client’s premises – obligatory in case of financing (as a team together with BCA in more complex cases)
• Assess the probability of default and assigns an internal Risk Classification
• Evaluate pledged assets, guarantees or mortgages for adequacy and enforceability. Make request in the system for external appraisal
• Request the necessary Legal opinion (including the ownership and collateral)
• Draft a credit proposal with recommendations for approval, adjustment/restructuring, or rejection
• Present the proposal to the relevant credit committee or risk authority
• Ensure that all pre-disbursement conditions are met (e.g., collateral registration, contract signing)
• Support Business Client Advisors on advising on structuring complex deals, clients with difficulties and eventual restructuring
• Communicate with clients only in cases of clarifying and requesting additional financial data
• Perform annual analysis, adh-hocs and semi-annual for bigger exposure (including RE projects)

Requirements:

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field
• 3+ years of proven experience in commercial credit analysis or Business Lending Underwriting
• Strong understanding of financial statement analysis and knowledge of risk assessment principles
• Strong attention to detail, analytical and interpersonal skills
• Proficiency in Microsoft Excel and financial analysis tools
• Very good command of English language
• Ability to work independently and manage multiple cases simultaneously
• Time management, problem-solving, integrity, decision-making skills
• Readiness to work with targets and KPIs; results oriented approach
• Military duties fulfilled (for male candidates)

Our offer:

• Working in a dynamic international environment
• Professional growth in a motivated team
• Training opportunities
• Flexible start of the working day (7:30 a.m. - 09:00 a.m.)
• Other benefits: 25 days annual paid leave, additional health insurance, transportation cost amount, additional amount for summer vacation and heating season, preferential conditions for products and services in the bank

Only short-listed candidates will be invited to the upcoming stages of the selection process.

Your application will be treated with strict confidentiality and compliance with the legal requirements for personal data protection.