Specialist/Lead Specialist in the Monitoring Department (Monitoring of 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 into risk groups (standard, watchlist, exit); Analysis of loans by term, amount, delay, sector, and region; Analysis of concentration in the loan portfolio and checking of restrictions; Early detection of loans that may become problematic and preparation of relevant proposals; Regular monitoring of the compliance with covenants placed on loans; Assessment of ESG (environmental, social, governance) risks in the activities of the borrower 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 sector and macroeconomic indicators on the loan portfolio; Proposals for the automation of monitoring processes; Presentation of monthly and quarterly reports on monitoring results to management. The suitable candidate for us: Has a higher education in Finance, Economics, Banking, Mathematics, or a related field; Has a high level of proficiency in MS Office applications (knowledge of SQL and Python is preferred); Has 1-3 years of work experience in banking, financial analysis, risk management, or audit; Has strong analytical thinking and problem-solving skills; Has the ability to read and analyze financial statements; Has knowledge of statistical analysis and financial modeling; Has the ability to work effectively in a team; Has high-level presentation and communication skills; Is attentive, responsible, and able to work independently; Is someone who can manage time efficiently and determine priorities.