Credit Financial Analyst

City: Bucuresti Contract duration: Unlimited Discipline: Corporate banking About our team BCR is the place where you learn, grow, and contribute to shaping the future of banking. We are recognized as a school of excellence in banking, a top employer in the banking sector, and a team open to learning, where every colleague feels seen and valued. We are an organization that values people and supports them in having a life that brings fulfillment, security, and balance. How you will contribute As Financial Analyst you will perform credit structuring activity for the assigned corporate clients’ portfolio, perform the financial analysis, transaction structuring and financial modeling for credit applications. Also, you will offer input for setting financial covenants and perform peer reviews being able to advice on correlations and relevance of financial ratios and financial standing in specific industries. The clients are the ones who present, by the specificity of the products used or transactions, a high degree of complexity. Perform financial analysis and modelling, test relevant sensitivities, perform peer reviews being able to provide advice on specific financial covenants and conditions relevant for the industry and the transaction; Prepare financial analysis, market analysis and group/client presentation sections of the credit application, confirming the compliance of lending policies; provide input in the screening processes; Provide specific input and review credit documentation, ensuring coverage of specific financial structuring terms; Facilitate the credit approval process and act as interface with Risk Underwriting division; Check financial conditions compliance against financial situations provided by clients; Timely delivery of annual reviews applications in collaboration with the relationship manager. What will help you be successful Economic/Technical university degree (either Bachelor or Master); At least 5 years work experience in financial or banking institutions / 3 year in financial analysis for corporate clients; Strong corporate banking, corporate banking products and credit structuring knowledge, financial analysis and modeling skills, accounting and IFRS and GAAP knowledge, overview of local and CEE market companies’ specifics (financial indicators), general legal knowledge and/or LMA documentation and monitoring; Strong analytical skills and negotiation abilities; Ability to work independently and achieve results as part of a team; Flexibility, stress resilience; Ability to act as a perfect team-player being capable of finding solutions and work under pressure; Strong personal and social skills; Fluency in English (excellent written and oral communication skills); Sounds like you'd be a good Well, check out what we provide for our people Monthly budget for flexible benefits through the Benefit Online platform; 13th month salary; Performance-based bonus; Banking facilities, benefits for private pension and discounts on insurance policies; Gifts for special occasions; Vacation allowance; Private medical services for you and your family; Hybrid and flexible work schedule; 1 month / per year of remote work from abroad (UE); Up to 27 vacation days depending on your professional experience; Extra 7 days off per year if you have used up your vacation days; One day off for your birthday; Wellbeing, personal and professional development programs, and platforms that allow you to learn anytime, anywhere, and from any device; Subscription to Bookster.