We're a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of twelve retail branches spread across the Maltese Islands.

We're a team of inspired people who believe that opportunities start with a conversation.

The person in this position will be reporting to the Manager, and forming part of a highly experienced Team of Credit Analysts.

The candidate will have access and support from a dynamic, dedicated and technical Team, allowing for a fast-paced development path in relation to credit.  The successful candidate is expected to deliver a sustained high level of service whilst developing and enhancing relationships with internal clients and colleagues.  S/he must work towards achieving the Function's targets.

You will be responsible for:

• vetting of supporting documentation;
• due diligence checks;
• verifying compliance with products' terms and conditions;
• satisfying  the Bank's tariff of charges;
• complying with the Bank's credit policies, in particular good principles of lending, rules and procedures;
• evaluating loan requests, assessing creditworthiness, and making recommendations for approval;
• handling general administrative work for the function;
• maintaining of regular statistics to the Bank's management; and
• all other processes and activities arising from time to time as directed by superiors.

The potential candidate should be reliable and trustworthy, well-organised with a disposition to learn and have a team-oriented approach.

You must:

• possess a Degree or Diploma Banking and Finance/Accountancy;
• ideally have the ability to analyse financial statements and interpret financial Ratios;
• have previous experience in credit;
• be able to work both independently and within a team;
• have good analytical skills; and
• demonstrate excellent communication and organisational skills with a solutions driven approach to work.