Credit Manager for Microenterprise Clients

Responsibilities:

• Attract new SME clients through consultations, presentations, and analysis of both potential and existing SME clients to identify their needs for financial services provided by the Bank;

• Sell a comprehensive package of financial services provided by the Bank and its Subsidiaries to SME borrowers;

• Conduct financial and economic analysis of the financing project and prepare an expert opinion;

• Analyze the balances and turnovers of SME borrowers' accounts to implement measures ensuring increased turnovers and balances on those accounts;

• Perform financial monitoring of projects and prepare monitoring reports in accordance with the approved schedule and internal Bank documents, ensuring timely submission to Credit Committees of current monitoring reports and reports on overdue loans;

• Verify the targeted use of loans provided to SME clients according to the requirements of internal regulatory documents;

Education: 

1. Higher education in economics/finance/law/technical-economic/management/mathematics.
2. Secondary specialized education in finance/economics.
3. Other higher education.

Work experience: 

1. At least 6 (six) months in banking/financial structures/microcredit organizations (credit departments).
2. At least 1 (one) year in a banking structure/microcredit organization (credit departments) if holding another higher education.

Special knowledge required for job responsibilities:

• Knowledge of banking legislation and regulatory acts of the National Bank regarding the Department's activities.
• Understanding SME lending principles of the Bank.
• Knowledge of SME lending products.
• Proficiency in sales techniques.
• Proficiency in negotiation techniques.
• Skills in preparing and conducting presentations.
• Ability to gather and analyze information for decision-making.
• Knowledge of the state (preferably) and Russian languages.
• Proficiency in all office software tools.