Senior Credit Risk Manager Small Upper Corporate

Performing credit analysis for the clients with turnover between 3-50m eur, presenting the transaction to the decision-making body and taking decisions within own competence.

As Credit Risk Manager Enterprises you will:

- Assess and/or take decision on single credit requests pertaining to Small Upper Clients (turnover 3-50m eur);
- Evaluate the risks related to the transactions, communicate with Business Units to find the best solution for the client;
- Communicates with other departments from the bank to structure the transaction - Factoring, Legal, Specialized Lending, EU Funs, Monitoring, etc.;
- Prepare the documentation, the risk opinion and submit the package to the approval authority;
- Approve the customers’ rating
- Participate in internal projects related to credit procedures, simplification, improvement.

- Knowledge of lending products to identify appropriate solutions for enterprises;
- Be able to analyze cash inflow and outflow to understand if cash sources are adequate for maintaining a financially sustainable business and meet obligations;
- Be able to assess the creditworthiness of a borrower/group in relation to a specific credit request;
- Be able to analyze financial statements and reports to make well informed business or credit decisions;
- Be able to build financial models from scratch, maintain the existing ones and/or validating them taking into account all relevant factors, growth and risk assumptions and interpreting their impact to estimate financial performance of a project or business;
- Be able to analyze stand-alone and consolidated financial statements, e.g. evaluating main/critical items, trends, ratios, overall financial performance and position;
- Knowledge of Environmental, Social and Governance risk factors that may have a positive or negative impact on the financial performance or solvency of an entity.

- Programe de invatare pe tot parcursul experientei cu noi
- 13 salarii pe an
- Tichete de masa in valoare de 45 lei/tichet
- Abonament medical
- Bonus de Sarbatorile Pascale si de Craciun - 300 lei
- Zi libera pentru ziua ta de nastere
- Preturi speciale la activitati sportive
- Reduceri speciale la peste 100 de parteneri

UniCredit is a pan-European leading commercial bank providing best-in-class solutions and services across Italy, Germany, Austria, and Central and Eastern Europe. Our Vision is to be the Bank for Europe's Future. Our Purpose is to Empower Communities to Progress, delivering the best-in-class products and services for all stakeholders, unleashing the potential of our people and our clients across Europe. We serve over 20 million clients, supported by three Group product factories — Corporate, Individual and Payment Solutions — that ensure best-in-class expertise and scalable solutions across all markets. Our integrated model combines local proximity, deep client understanding and Group-wide capabilities, enabling seamless service and outstanding client experience. Digitalisation, operational excellence and a strong commitment to ESG principles underpin our journey, helping us deliver sustainable long-term value for clients, communities, employees and shareholders. Our shared Culture unites our people across all countries, empowering teamwork, driven execution and ambition through Ownership, Integrity and Caring.