Credit Risk Monitoring Analyst

· Conducts daily monitoring of the credit portfolio

· Prepares reports approved by the department

· Analyzes the effectiveness of the scoring system

· Performs analysis based on call listening and documents deficiencies

· Records violations of monitoring guidelines

· Collaborates closely with the Centralized Credit Approval, Sales, and Control Teams during the monitoring process

· Ensures compliance with FAZ rules during desktop monitoring

· Informs management of any suspicious cases

· Prepares proposals to improve the general credit process

· Prepares and submits proposals to the committee for restructuring suitable client loans

· Contributes to departmental activities within rules set by the supervisor and participates in field monitoring when needed

EDUCATION AND EXPERIENCE

·       Bachelor’s degree in Finance, Economics, or a related field required. Master’s degree is preferred.

·       At least 3 years of experience in credit risk, analytics, monitoring, or underwriting

·       Minimum 1 year of experience specifically in credit risk

·       Experience with scoring systems, vintage, migration, roll rate, diversification reports, and stress test scenarios is essential

·       Strong verbal communication and active listening skills

·       Familiarity with lending, approval, credit risk, and monitoring procedures

·       Meeting departmental KPIs as defined internally

LANGUAGE SKILLS

·       Fluent in Azerbaijani; English and Russian at conversational level are considered an advantage

·       Ability to understand English banking terminology

COMPUTER SKILLS

·       Proficiency in Microsoft Office programs: Excel, Word, PowerPoint