Credit Risk Analyst - Sr Associate II

Credit Risk Analyst – Associate II📍 Location: Warsaw - Ochota, on-site💼 Employment: Full-time, B2B till June 2027 (with possibilities for extention)🏦 Industry: Financial Services / Credit RiskWe are looking for an experienced Credit Risk Analyst – Sr Associate II to join a team responsible for credit assessment and portfolio monitoring for small and medium-sized enterprise (SME) customers. The role combines financial analysis, credit risk assessment, transaction monitoring and cooperation with banks, financial institutions and business partners. We prefer experienced candidates in customer due diligence for credit risk assessment and AML (Anti-Money Laundering) compliance.

Your responsibilities

Verifying SME customer credit applications in line with internal credit policies and procedures.

Performing detailed analysis of credit applications and supporting documentation, including financial statements, financial reports, credit bureau reports and bank references.

Assessing customers’ financial standing and creditworthiness.

Calculating and monitoring credit risk exposure.

Identifying potential credit, financial and transactional risks.

Cooperating directly with customers, banks, financial institutions and business partners.

Working closely with internal teams to identify and prevent credit fraud and abuse.

Monitoring and verifying customer transactions on an ongoing basis.

Analyzing the quality and performance of the customer loan portfolio.

Identifying deterioration in credit quality and recommending appropriate corrective actions.

Supporting effective credit risk management and maintaining high-quality credit decisions.

Requirements

Bachelor’s or Master’s degree in Economics, Finance, Business Administration or a related field.

Good command of English, enabling effective communication in an international environment.

Excellent quantitative and qualitative analytical skills.

Ability to analyze financial data and draw sound conclusions based on multiple sources of information.

High attention to detail and ability to work with complex cases and large amounts of financial information.

Strong communication and negotiation skills.

Proactive approach and strong teamwork skills.

Ability to take ownership of assigned cases and deliver results within agreed deadlines.

Nice to have

Previous professional experience in Credit Risk, Credit Analysis, Lending, Underwriting or another related financial area.

Experience analyzing SME/corporate customers.

Knowledge of financial statements and key financial ratios.

Experience working with credit bureau information and financial risk assessment.

Exposure to banking, lending, leasing, fintech or other financial-services environments.

We are looking for someone who

Combines strong analytical thinking with a good understanding of business and financial risk. The ideal candidate is comfortable working with financial documentation, assessing customer creditworthiness and cooperating with multiple internal and external stakeholders in an international environment.