KOS Kredit Risk Analizi Mütəxəssisi (Naxçıvan)

About the role

The position is for a senior specialist in the Credit Risk Analysis department, focusing on SME (KOS) loan assessments in the Naxçıvan region. The role involves evaluating borrowers' repayment capacity, monitoring financial changes, preparing forecasts, and ensuring that credit obligations are properly structured and compliant with internal regulations.

Key responsibilities

• Conduct financial and business analysis of SME and corporate clients to support credit decisions.
• Process credit and documentary operations based on client applications, including restructuring or amendment of terms, and provide detailed feedback.
• Evaluate borrowers' payment ability, track financial developments, prepare forecasts, and assess the suitability and efficiency of credit requests.
• Ensure accurate risk assessment and strict adherence to bank‑internal regulatory standards.
• Carry out additional tasks assigned by management in line with the role’s functions.

Required profile

• Higher education with strong economic and financial knowledge.
• Proficiency in compiling and analysing financial statements.
• Analytical thinking and agile decision‑making abilities.
• High level of responsibility, accuracy, and communication skills.
• Familiarity with banking legislation and internal compliance requirements.