Risk Manager (copy)

In a non-banking financial organization, the role of a Credit Risk Manager is responsible for assessing the creditworthiness of individuals, companies, or other entities that apply for credit. Their main role is to evaluate the financial stability and the risk associated with loans to these entities.

1. Credit application assessment: assessing credit risk, examining credit applications, evaluating applicants' income and previous payment history for compliance with lending rules; verifying the accuracy of information, analyzing the proposed credit terms, including interest rates, proposed repayment, and collateral requirements, etc.

2. Participates in the meetings of committees/commissions of which they are a member regarding the decision-making on the disbursement of credits within the authorized scope of competence;

3. Understanding the principles and procedures in the field of non-banking risk;

4. Understanding the basic regulations and normative acts of BNM relevant to risk management;

5. Ensure that the credit assessment process and decisions are compliant with relevant laws, regulations, and internal lending policies.

6. Periodically monitors the credit products' adherence to the risk limit system;

7. Monitors and evaluates the performance of the credit portfolio and specific credit risk indicators and proposes measures to remedy/prevent potential problems;

8. Develops and maintains a reporting system for risk exposure and other risk-related aspects.

1. Minimum 2 years of experience in the financial sector (credit products in the market segment of legal entities/individuals);

2. Ability to argue, analyze, and synthesize information;

3. Communication skills and attention to detail;

4. Decision-making abilities;

5. Good MS Office application skills;

6. Knowledge of languages: Romanian, Russian, English will be an advantage.

• Bonuses + meal vouchers;

• Modern office, equipped with necessary utilities;

• Gifts for certain events;

• Additional days off (for the employee's birthday);

• Regularly organized training to improve your performance and professional skills;

• Payment for professional and personal development courses;

• Organized team building events to motivate you, connect with the team;

• Advantageous conditions on the company's products for employees.

Negotiable.

• Professional and friendly work environment.