Specijalist odobravanja kreditnih rizika za retail klijente

About the role

The Specialist in Credit Risk Approval for Retail Clients will evaluate SME credit requests, assess financial health, and support decision‑making within the bank’s retail portfolio. You will work closely with sales and specialist teams to ensure high‑quality, timely credit assessments.

Key responsibilities

• Analyse credit applications of SME clients using financial statements, cash‑flow analysis, leverage ratios and business models.
• Assess creditworthiness, overall risk profile and structure of credit proposals, contributing to approval decisions.
• Collaborate with sales segments and other expert units to deliver well‑documented risk assessments.
• Participate in early‑warning systems by monitoring credit quality indicators and proposing timely mitigation actions.
• Assist in rating preparation and use ratings as a core element of credit evaluation.
• Identify opportunities to improve processes, criteria and tools for more efficient SME credit risk management.

Required profile

• University degree in Economics, Finance, Mathematics or related field.
• Experience in credit analysis, credit approval, risk assessment or financial analysis of entrepreneurs.
• Strong understanding of financial statements, cash‑flows, liquidity, profitability and leverage metrics.
• Ability to work independently, draw conclusions and clearly justify recommendations.
• High level of responsibility, precision, structured approach and teamwork orientation.
• Active knowledge of English.

Required skills

• Proficiency with MS Office tools.

What we offer

• Hybrid work model with company mobile phone and laptop.
• Structured onboarding, training plan and a buddy system.
• Continuous professional development and learning opportunities.
• Financial benefits such as holiday bonuses, referral bonus, meal allowance, pension contributions, transport allowance and child‑birth support.
• At least 26 days of annual leave, wellbeing programs, health insurance and Multisport subsidy.
• Flexible arrangements for important life events, parental leave and part‑time options for new mothers.
• Opportunities to participate in volunteer and humanitarian activities.