IMI CIB - ISPBL - Credit Analyst

at  Intesa Sanpaolo Group

Intesa Sanpaolo is the banking group leader in Italy. Assisting more than 14,6 milion of retail customers through a network of 5360 branches, it significantly supports the development of Companies and gives an important sustain to the country’s growth. The Group has a selected retail banking presence in Central and Eastern Europe, the Middle East and North Africa, with approximately 1,000 branches and 7.2 million customers in 12 countries. Intesa Sanpaolo is also present in 25 countries in support of its corporate customers’ cross-border business. It is looking for new qualify profiles who want to face demanding and challenging career path with the following requirements: expebcib

REQUIRED EXPERIENCE

• Minimum 3/4 years of experience working in the same role
• Work experience in finance or credit analysis in banks

Overview:
The ideal candidate will have a strong background in analyzing credit data and financial information to assess the creditworthiness of potential and existing customers within a diversified corporate client portfolio.

Main activities:

• Support the Credit Department team in the decision making process related to customer credit applications in compliance with the internal and external regulations in force
• Examine corporate information, financial transactions, analyze and evaluate corporate financial data by developing internal financial model
• Prepare and analyze financial projections (alongside cash-flow and profitability vulnerability, via ratio analysis and/or stress testing)
• Assess the dynamics and nature of the Client’s industry, including key risk aspects and the Client’s competitive positioning within its industry
• Discuss of management strength, experience and track record and corporate governance more broadly
• Perform a Client’s strategy assessment and associated execution risks
• Evaluate funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity
• Assess other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness
• Contribute to the development, improvement, and implementation of best practices, guidelines, procedures
• Prepare credit applications to be submitted to the decision-making bodies within the credit granting decision process
• Interact with all functions involved in the credit granting process and liaise with relevant stakeholders of business units of the Bank and the Group for credit-related matters