Credit Risk Analyst

FIMBank is an international trade finance bank with an international network of offices spanning five continents.  The Bank is headquartered in Malta, is listed on the Malta Stock Exchange, and regulated by the Malta Financial Services Authority.  We are seeking to recruit a Credit Risk Analyst within our Risk Management department.

The main aim of the job is to assist RMD’s management and analysts in the assessment and monitoring of credit and other risks booked by FIM and its subsidiaries. Preparation of monitoring reports on a regular basis and maintenance of the main IT systems used in Risk Management are key objectives of this role.

The main job objective is eventually to avoid losses for the group and maintain an adequate risk/reward profile for the business of the group.  Reporting to the Team Leader – Credit Section, the function of this section is the credit review of the credit applications submitted by various Business Units within FIMBank Group.

Primary duties will include:

•      Reviewing credit applications submitted by the respective business units;

•      Reviewing Transaction requests related to pre-approved transactions;

•      Where applicable, updating the bank’s internal rating system as to generate qualitative and quantitative ratios as to evaluate customer’s financial status;

•      Maintaining compliance with the bank’s internal risk policies, guidelines, regulatory requirements and underlying procedures at all times; and

•      Offer full support to credit section and risk management department (in general).

Minimum Requirements: 

•      A professional qualification in one of the following areas: Banking and Finance or Accounting or related area; 

•      Computer literate and conversant in Microsoft Office suite;

•      Prior experience in financial sector, lending and accounting would be considered an asset;

•      Good interpersonal, communication skills in both written and spoken English;

•      Possess positive attitude;

•      Good team player with ability to work independently and to multi-task; and

•      Flexible