CREDIT ANALYST

Minimum 2 years experience in corporate banking
Structured approach to credit extension and strong credit judgement.
Strong knowledge of the local banking products and services as well as cost and fees environment.
Strong knowledge of customer products and services as well as of the processes and operational standards of the Bank.
Strong knowledge of local banking environment.
Strong knowledge and experience of banking operations, rules, regulations, procedures and general banking Romanian law framework.
Operational competence.

Manages corporate and commercial credit relationships maximising loan volumes, collateral fee business, and related deposits.
Credit structuring and monitoring, pricing, new business, solicitation. Strict conformity with legal and regulatory environment, as well as credit policies and procedures of the Bank.
Identification of the companies that come within the purview of the sector, on the basis of a selection system using criteria of credit and profitability.
Drafts, assess and process credit proposals
Submit credit proposals to the Credit committee
Analyze the collateral agreements
Carry out financial analyses (et. cash flow, cost analyses and solvency analyses).
Carry out evaluation of company sales plan.
Carry out analysis and subsequent evaluation of clients’ credit risk.

Emporiki Bank is the Romanian subsidiary of the Greek bank with the same name, a bank established in 1907 with shares traded on the Athens Stock Exchange since 1909. Nowadays, the bank is one of the largest commercial banks in Greece in terms of assets, branch network (over 400 units) and overall presence, having also a broad network of subsidiaries in Germany, Great Britain, Cyprus, Romania, Bulgaria, Georgia, Armenia and Albania.

In Romania, Emporiki Bank had the official opening of its operations in September 1999, under the name Commercial Bank of Greece.
Following its mother-company decision to promote all over the world the Greek name of the bank, starting with the beginning of year 2004, the bank has changed its name into Emporiki Bank (Emporiki meaning, in Greek language, Commercial). The bank’s continues its development on the Romanian market under its new name, having the same shareholders and management. The re-branding was made to all the Greek bank’s subsidiaries and marks the beginning of a new corporate culture and a new strategy of the bank in its relationship with the customers.

The strategy of Emporiki Bank – Romania is the expansion of the network, which will justify the expansion of the Leasing and Insurance companies of the Group in Romania