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Capital Adequacy and Credit risk Expert

Capital Adequacy and Credit risk Expert

Michael PageWarsaw, PL
8 days ago
Job description

We are looking for an analytical and detail-oriented professional to join our Risk team as a Capital Adequacy and Credit Risk Monitoring Specialist. In this role, you will be responsible for calculating capital adequacy ratios (BIS / CRR STA), verifying the suitability of credit exposures, and actively monitoring credit risk across the bank's portfolio. This is a key position supporting regulatory compliance, internal risk controls, and reporting to senior management.

Capital Adequacy (BIS / CRR STA)

  • Calculate and monitor capital adequacy ratios in accordance with the CRR Standardized Approach.
  • Conduct regular assessments of capital structure and ensure compliance with local and international regulatory requirements.
  • Prepare capital management reports and provide recommendations to senior leadership

Credit Risk Monitoring & Compliance

  • Evaluate credit exposures to ensure alignment with risk strategy and internal credit policies.
  • Monitor and analyze the performance of the credit portfolio, identifying early warning signals.
  • Conduct periodic reviews of credit limits, provisions, and collateral adequacy.
  • Ensure proper implementation of credit risk mitigation techniques.

    • Suitability Verification

  • Verify the appropriateness of credit exposures in terms of regulatory suitability and internal standards.
  • Support consistent documentation and risk categorization of loans and credit lines.

    • Reporting & Documentation

  • Prepare reports for internal risk committees and regulatory bodies, including documentation related to capital adequacy and credit risk.
  • Maintain up-to-date and accurate records of all risk assessments and monitoring processes.

    • Cross-functional Collaboration

  • Collaborate with finance, credit, and compliance departments to ensure data quality and risk integrity.
  • Coordinate efforts in risk data management, regulatory updates, and implementation of new controls.
  • Preferred Qualifications (a plus, not required) :
  • Professional certifications such as FRM, PRM, CFA, or equivalent.

    • New banking structure in PLCredit Risk & Capital Adequancy

    Requirements :

  • University degree in Finance, Economics, Risk Management, or a related field.
  • Minimum 2 years of experience in a banking or financial institution, preferably in credit risk, regulatory reporting, or capital adequacy.
  • Strong understanding of risk management concepts, capital markets, and Basel / CRR regulations (particularly CRR requirements related to credit risk).
  • Proficiency in Microsoft Office (especially Excel, Word, PowerPoint, Teams).
  • Strong analytical and documentation skills, with attention to detail and accuracy.
  • Excellent communication and teamwork skills.
  • Fluency in both Polish and English (minimum B2 level).
  • Fixed-term employment contract with the possibility of renewal after a 3-month probation period.
  • Annual performance-based bonus.
  • Opportunities for professional development in a fast-growing international financial institution.
  • Attractive office location in central Warsaw
  • Flexible, multicultural, and non-corporate work environment.
  • Integration events and wellness support (language education, medical support, welfare points).
  • Additional bonuses for company milestones and national holidays.
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    Credit Risk • Warsaw, PL