Credit Analyst (all genders)

Erste Group was founded in 1819 as the first Austrian savings bank and today it is one of the largest banking groups in Central and Eastern Europe (CEE). As an attractive employer, Erste Group offers interesting career opportunities in an international environment.

The Team Corporate Underwriting & Analysis is part of the Corporate Risk Management Division of Erste Group (Holding) and consists of a fair mix of underwriters and credit analysts. It deals with corporate risk matters of Austrian and International Corporate Clients with strong focus on CEE. Besides the core competence which is credit decisions, this also includes the comprehensive and group wide analysis of large corporate as well as SME customers as part of the credit decision process. Furthermore the credit analysts in the team prepare peer groups for selected industries and offer a wide range of internal trainings. The analyst closely works together with the underwriters in the team, but also with Corporate Sales as well as with all Erste Holding´s subsidiaries.

• Analysis of Austrian and international corporates of different sizes and complexity (SMEs and large corporates), including the assessment of the respective business model, market environment, industry and creditworthiness using a strong forward-looking approach
• Assessment of financial statements (local GAAP’s, IFRS, US-GAAP)
• Preparation of respective peer groups and market research
• Knowledge of the Construction industry is of advantage
• Application of internal rating regulations and provision of expert rating decisions
• Contribution to various Group and Department projects
   

• University degree in business administration
• At least a 3-year experience in corporate credit analysis/research, corporate risk management environment or specialized finance - ideally in an international environment
• Alternatively, proven experience in the sales-side structuring or Risk assessment of companies
• Very good knowledge of accounting standards  (local GAAP, IFRS and US-GAAP)
• Excellent analytical, writing and presentation skills in English and German to present complex issues concisely
• Readiness to cooperate with colleagues of other departments/ CEE subsidiaries in a multi-cultural environment
• Open-minded, result- and target-oriented as well as flexibility and resilience to perform in a fast-paced environment
   

• Great opportunity to work in a challenging and international environment within a high-qualified team which has a track record in providing critical insights into the credit risk profile of Corporate Clients so as to support the bank’s credit decision making process
• We support your professional and personal development
• Opportunity to build up a business network and gain high visibility in the company
• Discover and enjoy the benefits of Erste Group 
• The minimum wage for this full-time position in accordance with the collective agreement with complete fulfillment of the functional profile is EUR 48.323,--  gross per year. But this is just a formality - we would be happy to talk about your actual salary in person! 
• We offer our employees the opportunity to divide their hours between working from home and at the office.
• We consider the diversity of our employees as key to innovation and success. As employer we are proud to offer everyone equal chances, irrespective of age, skin colour, religious belief, gender, sexual orientation or origin.

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