Specialist/lead specialist for the monitoring department (on monitoring KOS loans)

Your responsibilities will include: Daily/monthly/quarterly/annual monitoring of the active loan portfolio (Micro and SME); Analysis of customer risk scores and delay trends; Classification of loans by risk groups (standard, watchlist, exit); Analysis of loans by term, amount, delay, sector and region; Analysis of concentration in the loan portfolio and checking limitations; Early detection of loans that may become problematic and preparation of relevant proposals; Regular monitoring of compliance with covenants set on loans; Assessment of ESG (environmental, social, governance) risks in the borrower's activities during the monitoring process; Identification of anomalies and inconsistencies in the borrower's credit history; Checking the status of the borrower's collateral; Expertise of the borrower's financial information; Assessment of the impact of sectoral and macroeconomic indicators on the loan portfolio; Proposals for automation of monitoring processes; Submission of monthly and quarterly reports on monitoring results to management. The suitable candidate for us should have: A higher education in Finance, Economics, Banking, Mathematics or a related field; Proficiency in MS Office applications (knowledge of SQL and Python is an advantage); 1-3 years of work experience in banking, financial analysis, risk management, or auditing; Strong analytical thinking and problem-solving skills; Ability to read and analyze financial statements; Knowledge of statistical analysis and financial modeling; Capability to work effectively in a team; High-level presentation preparation and communication skills; Attention to detail, responsibility, and ability to work independently; Ability to manage time efficiently and set priorities.