- University degree
- Professional knowledge – solid understanding of retail credit products (consumer loans, mortgages, credit cards)
- In-depth understanding of credit risk assessment, underwriting principles, and lending regulations
- Solid understanding of credit bureau reports, fraud detection indicators, credit scoring models, and risk rating systems
- Strong analytical and problem-solving abilities
- Ability to assess complex cases and make sound credit decisions under time constraints
- Excellent command of English (written and spoken)
Underwriting expert - Retail Banking
We look forward to your contribution to:
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Assess and underwrite retail banking applications (consumer loans, housing/mortgage loans, credit cards, overdrafts) in accordance with the bank’s credit policies and risk appetite
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Perform detailed financial analysis of customers, including income verification, credit bureau analysis, and affordability calculations
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Evaluate credit risk using internal scoring models, underwriting tools, and external data sources
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Take credit decisions within delegated authority and prepare recommendations for higher-level credit committees when required
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Ensure full compliance with internal policies, regulatory requirements, and local banking regulations
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Collaborate closely with sales, operations, and risk teams to ensure effective credit processing and turnaround times
You meet our expectations for:
Join our team and you will receive:
- Working in a dynamic international environment
- Professional growth in a motivated team
- Training opportunities
- Flexible working time (from 7:30-09:00 a.m. to 16:30-18.00 p.m.)
- 1 day per week home office option
- Social benefits: 25 days paid annual leave, additional health insurance, Multisport card, transportation cost amount, additional amount for summer and winter seasons, preferential conditions for products and services in the bank; preferential fees for education at Denis Diderot School.
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