About this role
At Alpha Bank we are shaping the future of banking in Greece.
Through our large-scale Transformation Program, we are changing the way we operate, the way we deliver results and the way we service our Customers.
- We understand our Customers’ needs and design experiences around them.
- We work in partnership and invite diversity of skills and perspectives.
- We are forward-thinking and drive continuous improvement.
- We make things happen; we execute quickly and focus on what is essential.
If you are a change enthusiast who sets ambitious goals and works with a sense of purpose, we want to get to know you!
Join our team #AlphaBank
#WeAreAlpha #EnablingProgress #AlphaCulture #ValuesThatLead #OneTeamOnePurpose
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Purpose
As a Credit Approval Senior Specialist, you will play a key role in the independent evaluation of complex Wholesale Banking credit requests for the Bank and Group Companies. You will contribute to sound credit decision-making by assessing credit risk, repayment capacity, collateral quality, and alignment with applicable policies, regulatory requirements, and the Bank’s risk appetite.
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What you will be doing
- Evaluate complex Wholesale Banking credit requests submitted by domestic and international business areas, ensuring that proposals are assessed with independence, consistency, and sound credit judgment.
- Review credit applications throughout the full credit evaluation cycle ensuring that all required information, analysis, approvals, and supporting documentation are complete, accurate, and aligned with internal credit processes.
- Conduct in-depth credit analysis of existing and prospective borrowers, covering financial performance, business model resilience, sector dynamics, leverage profile, risk rating, risk mitigation mechanisms, and overall transaction structure.
- Assess projected and historical cash flows to determine debt-servicing capacity, repayment ability, sensitivity to downside scenarios, and the sustainability of the proposed financing structure.
- Formulate independent credit opinions and recommendations for submission to the relevant Credit Committees, clearly articulating key risks, mitigants, approval rationale.
- Contribute to the continuous enhancement of credit decision-making standards, helping ensure that the Bank’s credit approval framework remains robust, efficient, risk-sensitive, and aligned with regulatory expectations and the Bank’s risk appetite.
What you need to have
- A bachelor’s degree in Economics, Banking, Finance, Business, Mathematics, Quantitative Studies, Risk Management, or a related field.
- A master’s degree in a related field.
- At least seven (7) years of experience in the banking or financial services industry, with a focus on corporate or wholesale portfolios.
- Strong credit analysis skills, including the ability to assess financial statements, cash flows, business models, collateral structures, and repayment capacity.
- Good understanding of credit risk principles, approval processes, regulatory expectations, and portfolio monitoring practices.
- Strong analytical thinking, sound judgment, attention to detail, and the ability to communicate credit recommendations clearly.
- Experience in client-facing, relationship management, restructuring, or credit approval roles.
- Familiarity with credit rating systems, collateral valuation approaches, or governance reporting requirements.
What we offer
It’s all about our people. At Alpha Bank, you will enjoy:
- A friendly and collaborative working environment that supports taking initiative and action
- A culture that centers around learning and continuous development and encourages everyone to bring their best self to work
- The opportunity to challenge your thinking through your participation in complex tasks and transformation projects
- Being part of a large organization with a leading role in the Greek economy and a strong presence in the community
- Flexible working options
- A competitive salary and benefits
All applications will be acknowledged and treated in utmost confidence.