SME Credit Risk Underwriter

Roles and Responsibilities

·         To perform credit risk analysis of potential borrowers in the SME Banking segments with the purpose to minimize Bank’s potential exposure by ensuring quality of customer base.

·         To proceed with loan applications and term sheets received from Loan Origination and Structuring Division for the Commercial and Business Banking segments

·         To execute underwriting of credit applications and review of proposed limits by Loan Origination and Structuring Division

·         To conduct credit risk assessment in accordance with Bank’s approved credit policy and respective procedures developed by Risk Management Department

·         To perform the analysis of the client’s financial position and future loan repayment capacity, calculation of clients’ credit ratings

·         To submit credit applications to Head of division for proceeding to Credit Committee for final decision on loans

·         To interact with Risk Management Department during the process of credit application assessment in case methodological assistance is needed

·         To request additional information needed for comprehensive risk assessment from the client from Loan Origination and Structuring Division, coordinating interaction with the respective relationship manger if required 


·         High education in finance, accounting or business administration

·         1-3 years of work experience as credit risk underwriter, finance analyst

·         Work experience in SME and Corporate credits

·         Fluent Azerbaijani, intermediate English language skills (Russian language is a plus)

·         Excellent MS Office skills (word, excel, power point, outlook)                                                                   

ACCA and CFA certifications are plus      


(+99412) 5961868



- negotiable