Description
A specialist is required to forecast the key financial indicators of Bank clients, taking into account the structure of a new loan, expertise in financial data, and structuring Bank credit deals.
Responsibilities
- Identification, analysis, and assessment of credit risks for Bank clients.
- Forecasting key financial indicators of Bank clients, taking into account the structure of a new loan and expertise in financial data.
- Structuring Bank credit deals.
- Coordination with client-facing departments on the deal structure during the loan application preparation stage.
- Preparation of an independent professional opinion on credit risk assessment with conclusions and proposals regarding client risk and deal risk for the attention of Credit Committee members and other collegial bodies.
- Monitoring the financial condition of Bank corporate clients.
Requirements
- Higher education.
- Basic knowledge of financial analysis (AFHD) and investment appraisal.
- Work experience: at least 1 year in risk management, corporate lending.
- Experience working with AI tools.
Knowledge and skills:
- Financial analysis, including financial ratios and specifics of their analysis, practical skills in analyzing financial statements (RAS, IFRS, GAAP) and problem diagnosis.
- Basic knowledge of financial analysis (AFHD) and investment appraisal.
- Specifics of investment projects, as well as methods for their evaluation.
- Specifics of cash flow analysis, cash flow forecasting, as well as the Alt-Invest software product.
- Types of credit products.
- General theory and practice of working with non-performing assets.
- Main products and schemes of trade finance, basics of corporate client lending using trade finance products.
- Types of collateral and restrictions related to it when lending to corporate clients.
- General theory and practice of determining loan quality categories and forming provisions for possible loan losses and loan-equivalent debt in accordance with CBR requirements.
Conditions
- Official employment.
- Social package + corporate package (preferential lending, voluntary health insurance, partner programs).
- Work schedule: 5/2 (Monday-Friday), from 8:00 AM to 5:00 PM.
- Office address: Moskovskoye Shosse, 270V.
- Free SberPrime+ subscription, discounts on products from partner companies: Okko, Sber Market, Samokat, Sber Eapteka, and others.
- Opportunity for professional training (training at the Corporate University).
- Company-funded training: online courses in Sber's Virtual School.
- Flexible mortgage discount equal to 1/3 of the CBR key rate.
- Preferential lending conditions.
