- Law degree from a reputable Greek or EU university, coupled with strong knowledge of Greek and EU legislation
- Excellent command of English
- Hands‑on experience in the financial sector is highly valued
- Knowledge of Greece‑specifics related to loans, complaints handling, AML/CTF, electronic identification (eIDAS) and consumer protection, PSD2 and its Greek transposition is desirable, GDPR & Data protection requirements
- Readiness and commitment to learning upcoming legislation and adapting to a dynamic group and regulatory environment
Credit Underwriter - Thessaloniki branch
We look forward to your contribution to:
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Perform in-depth financial analysis (revenues, profitability, leverage, liquidity, cash flow), including annual monitoring
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Visit the client’s premises – obligatory in case of financing (as a team together with BCA in more complex cases)
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Assess the probability of default and assign an internal Risk Classification
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Evaluate pledged assets, guarantees or mortgages for adequacy and enforceability. Make request in the system for external appraisal
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Request the necessary Legal opinion (including the ownership and collateral)
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Draft a credit proposal with recommendations for approval, adjustment/restructuring, or rejection
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Present the proposal to the relevant credit committee or risk authority
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Ensure that all pre-disbursement conditions are met (e.g., collateral registration, contract signing)
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Support Business Client Advisors on advising on structuring complex deals, clients with difficulties and eventual restructuring
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Communicate with clients only in cases of clarifying and requesting additional financial data
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Perform annual analysis, ad-hocs and semi-annual for bigger exposure (including RE projects)
Main requirements:
Join our team and you will receive:
- Work in a dynamic international environment
- Professional, friendly and supportive team culture
- Established procedures that support quality and transparency
- Training and professional growth opportunities within the ProCredit Group
- Social benefits: flexible start of the working day, 25 days of annual paid leave, additional health insurance, transportation allowance, seasonal supplements for summer vacation and heating, and preferential conditions for the bank’s products and services
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